23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 more than seven years. 
15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I requested pursuant to our CFPB Regulation Z, 12 CFR 1026.39, Mortgage transfer disclosures information on my loan.The mortgage servicer Specialized Loan Servicing is not providing the name of the new investor for the loan. 
I also request the date the mortgage and note was transferred or placed into the Trust XXXX as Trustee Relating to the XXXX XXXX XXXX XXXX Mortgage Backed Certificates, XXXX XXXX pursuant to CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ), Specialized Loan Servicing is not providing this requested information.
Product: Debt collection

XXXX {$1200.00} Portfolio Recovery A Appears as collection on my XXXX XXXX account without any information or previous communication. I dont have nothing to do with them
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.govXXXX Fair Debt Collection Practices Act : https : //www.ftc.govXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : SYNCB/XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines. 

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

XXXX and Transunion are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Like most people, when the massive XXXX breach happened, I went and froze my credit reports with all three major bureaus. Around 8 months ago I wanted to open a new line of credit and went to unfreeze them and had no trouble doing so with XXXX and XXXX, but Experian refused to honor my request, insisting that some bit of information I had submitted through their form was incorrect. They demanded that I mail in copies of my driver 's license, utility bills, Social Security cards and various other things in order to lift the freeze. I did this and absolutely nothing happened. I tried submitting the forms over and over and got the same result. I tried using their automated telephone system and it gave me the same generic rejection that their site did. 

Today, I found an alternative phone number which Experian does not make public anywhere and tried it. I was connected with a gentleman who was absolutely stoned out of his mind and could not type any of the numbers he asked me to repeat to him 7-8 times. When I asked if I could speak to someone above him, he said " not really '' and just sat in silence, giggling like an idiot. 

It is fairly clear that Experian has invested as little time and money as they possibly could in implementing their freeze system and it is completely and utterly failing to serve its purpose. If I had known that it would be completely impossible to lift the freeze then I never would have placed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this inquiry, I don't have nor have I ever tried a mortgage with Equifax mortgage services. I have reason to believe this is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Mortgage

I got approved for a loan to buy a house I have submitted everything I need to for them I paid for the inspection and paid good faith check after all of that they said I did n't get approved for the loan to cancel my contract because they do n't want to wait for the down payments assistant said that the Sellers do n't want to wait that long I feel like they are getting over on me I feel that they should have told me that I did not get approved before I spent my money and picked out a house Carrington mortgage in XXXX Ohio XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems I send money weekly to XXXX for this account but it is not being applied as I was never informed that my debt was being reassigned
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Credit card

My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.
Product: Debt collection

I received a collection account I believe was paid. In order for them to remove I just paid reduced balance but they still will not remove XXXX  or update my payment.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

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
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Product: Mortgage

My husband and I live in XXXX mn our current mortgage is with HSBC and we just received a letter from them stating our mortgage is being transferred to XXXX XXXX XXXX. Our mortgage is current and up to date. Why is this happening?
Product: Debt collection

XXXX XXXX did not provide adequate verification for debt question. No documents were provided showing a contract or signature.
Product: Credit reporting or other personal consumer reports

Dispute Department : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED item listed below is note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that this account is verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me ( section 616 an d617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify this account, or delete it from my credit report. 
The accounts is XXXX  XXXX XXXX XXXX. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete this negative account and provided me with an updated report within 30 days in accordance to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a dispute I submitted a month ago regarding several accounts on my credit report that I believe are inconsistent and/or inaccurate. Despite my initial request, I have not yet received a resolution or an update on the status of my dispute. 

For your reference, I have attached copies of the letters and supporting documentation I provided previously. I kindly request that you re-investigate these accounts with the information provided, as I believe it is crucial to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

Southwest Recovery SER collected {$150.00} from me, XXXX XXXX On XX/XX/2022. This was under Grid Code G - Collections. I am unaware what this charge is for and no one was given my permission to collect this amount, nor was I given the option to dispute it. I have attempted to contact this Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their contact number is ( XXXX ) XXXX. 

Id like to dispute this at this time and not only get reimbursed for the {$150.00} that was not approved, but regain Credit decrease of 90 points which is my point decrease due to this Flagging of collections. 

Please call me at XXXX with questions.
Product: Credit card

Ive been a loyal Citibank customer for over 31 years. I disputed a charge from a company called XXXX due to deceptive business practices. The company used misleading advertising and charged me after I canceled. I never received the product or service as advertised. 
I contacted XXXX XXXX Department and spoke to a representative who told me Id be contacted by someone else to open a formal case and review the details. That follow-up never happened. I received no emails or calls despite checking multiple times. 
On XX/XX/year>, I received a certified letter from Citibank stating that my dispute was denied due to no response by XX/XX/year>. That is inaccurate. I was waiting for the promised follow-up. I never ignored any part of the processI was simply waiting on Citibank. 
I attempted to call Citibanks Dispute Department on the evening of XX/XX/year>. The wait time was listed as 15 minutes and never changed, even after an extended hold. At this point, I'm filing this complaint with CFPB because I have not been given a fair review or resolution. 
Im requesting that Citibank reopen my case and properly review the situation. I am willing to provide full documentation of both XXXX practices and my interactions with Citibank.
Product: Checking or savings account

To Whom It May Concern, This is my third attempt to resolve case number XXXX regarding my father the late XXXX XXXX XXXX XXXX 's sole savings account with Webster Bank. I have received letters from Webster Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( This correspondence included AN XXXX XXXX XXXX PHONE NUMBER FOR WEBSTER BANK ) i.e XXXX. 

The FRAUD TIMELINE : On XX/XX/XXXX XXXX XXXX, her church friends XXXX XXXX XXXX, Pastor XXXX XXXX ( Witnesess ) and her attorney completed a " Power Of Attorney '' by forging my father 's signature on the document for Power Of Attorney. This document was NEVER notarized or authorized by any court in the State Of Connecticut. The document that your bank accepted was not legally valid or legally enforceable! 

On XX/XX/XXXX XXXX XXXX 's attorney filed in Probate Court Case Number XXXX, a Decedent Estate State as Legal Representative under 4a-16, which was filed in the XXXX. Connecticut area NOT XXXX, Connecticut where my father actually resided. 

In Conclusion, XXXX XXXX committed fraud by filing and completing my father 's Probate in court, WHILE HE WAS STILL LIVING!!! He died on XX/XX/XXXX. Your bank did not do their due diligence to verify the validity of the submitted Power Of Attorney, especially since it was NOT notarized. Your incompetence and collusion makes your bank responsible for ALL of the fraudulent transactions after the date of the Power Of Attorney that you bank accepted.