23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Request for Debt Validation and Removal from Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding SUNRISE CREDIT SERVICE located at XXXX Corporate XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Several months ago, I requested a XXXX XXXX XXXX from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a XXXX XXXX XXXX, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of SUNRISE CREDIT SERVICE to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX
Product: Checking or savings account

PNC was more than happy to take my deposits, but they were unwilling to take reasonable measures to make my deposits available for withdrawal. I opened my Performance Select Checking with them and am a PNC Private Client. Despite multiple attempts to get them to provide the free checks they alleged came with the account, its been about 9 months that theyve failed to deliver the checks, leaving me with limited options for making withdrawals. Ive contacted them via several media - their customer service number, in their XXXX XXXX DC branch and via twitter. They should be ashamed!
Product: Debt collection

self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help
Product: Credit card

NOTICE OF DEFAULT and OPPORTUNITY TO CURE Notice to Principal is Notice to Agent / Notice to Agent is Notice to Principal Sworn Statement Affidavit FROM : XXXX XXXX XXXX XXXX Way XXXX, GA XXXX TO : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX DATE : XX/XX/2023 VIA : Certified Mail # XXXX RE : Loan Account # XXXX hereinafter Loan This is a Notice of Fault and Opportunity to Cure upon the presentments enclosed within the Certified Mailing, received by the COMENITY BANK on XX/XX/2023 and as evidenced by Certified Mail # XXXX. 
By the terms and conditions of the agreement contained in that document, since XXXX XXXX disputed the alleged debt, COMENITY BANK was under obligation to timely and in good faith provide full validation and verification by providing the promissory note and signed contract with my two wet signatures of the debt under penalty of perjury within twenty ( 20 ) days pursuant to UCC and FDCPA or request an extension of time. Instead COMENITY BANK provided a black credit card agreement with no signature. 
The COMENITY BANKs failure to honor the offer places COMENITY BANK at fault. This is the XXXX XXXX 's good faith offer to extend the time by an additional five ( 5 ) days from date of delivery to give the COMENITY BANK an opportunity to cure COMENITY BANK Bank 's fault, to make the required presentment and to cure COMENITY BANK Bank 's fault.

Should the COMENITY BANK fail, refuse or neglect to respond to this Notice of Fault and Opportunity to Cure, XXXX XXXX will enter a Notice of Default, as second witness, upon the COMENITY BANK. 
Of this presentment the COMENITY BANK should take due Notice and heed, and govern oneself accordingly under the FCRA regulations. I will have all rights to sue COMENITY BANK for willful non-compliance and seek economic and emotional damages under the FCRA and contract law regulations.

If COMENITY BANK Bank can not validate and verify with a promissory note and contract with my two wet signatures, then COMENITY BANK Bank needs to delete and remove this account from my credit profile, because it is ruining my credit worthiness to purchase a home.

Fault : " American Law - Negligence ; an error or defect of judgment or of conduct ; any deviation from prudence, duty, or rectitude ; any shortcoming, or neglect of care or performance resulting from inattention, incapacity, or perversity ; a wrong tendency, course, or act ; bad faith or mismanagement
; neglect of duty. '' Blacks Law Dictionary, 4th Edition, page 738.

Default : " By its derivation, a failure.. An omission of that which ought to be doneSpecifically, the omission or failure to perform a legal dutyThe term also embraces the idea of dishonesty and of wrongful act. '' Ibid, page 505.

Promissory Note : Blacks Law Dictionary A written promise to pay a debt by a specific date. It can be turned to cash by transferring it to another party.

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence Sincerely and with all rights reserved,
Product: Credit reporting

Transunion has fail to provide me with proper information regarding negative collections on my account. Also, Transunion has verify accounts that have been closed or sold out but have recent payments of {$50.00}, {$30.00} or {$100.00} dls payments.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in reporting, such as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of identity theft Reason being I am unable to freeze my innovis account due to fraudulent information inside my credit report Someone has been making purchases of vehicle tags, leasing, purchasing vehicle in my name from 2015 to date. The fact is I have never owned a car or a license ever in my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX senior citizen, unemployed for the past 32 years. 

Also there are eviction records in my name of properties I never resided in my life
Product: Credit reporting or other personal consumer reports

Hatfield Inc DBA Grid has reported me late incorrectly. They promised to update the report but they are not ignoring me. In addition, they are refusing to cancel my subscription and attempting to charge me.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Please delete the late payment on Transunion for XXXX for XX/XX/year> I was never late as stating in the phone call email and no late payments on XXXX or XXXX. I have already talked to XXXX  of I have to file another lawsuit I will.
Product: Mortgage

This is an issue with the company fraudulantly requiring me to purchase property hazard insurance. I purchased the property XX/XX/XXXX, and the mortgage was sold to Select Portfolio Servicing, Inc ( SPS ) in XX/XX/XXXX. In XX/XX/XXXX a structural engineer determined that the building on the property was structurally unsafe and required demolition. Following relocation of the building tenants in XX/XX/XXXX, the building as demolished in XX/XX/XXXX, and the lot has remained empty with no structures. I notified the SPS in XX/XX/XXXX that I was not renewing the hazard insurance or flood insurance policy on the property due to the fact that there is no longer any building or other structure on the empty lot. I electronically sent documentation XX/XX/XXXX with the Certification of XXXX of demolition by the city for further proof that there is no longer any building. I continued to receive notice that SPS would purchase hazard insurance so I called the company again in late XXXX, and I was told that they had received my information and would make a note that there no longer is a building. In early XXXX I again received a notice and mailed a certified letter that again included the documentation proving that the building had been demolished and there is nothing to insure. Today I received a letter dated XX/XX/XXXX stating that they purchased a hazard policy and are charging ithe cost to my escrow account. I feel the company is committing fraud by purchasing a hazard policy on a building that does not exist. Given the multiple times that I have communicated to them that there is no building on the lot, they can not claim that this was a simple error r that they were not aware of the lack of a structure.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX XXXX   XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX XXXX did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX XXXX XXXX  was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX   XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and XXXXd to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on Equifax, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax andXX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

Recently on XX/XX/2020, I mailed out a validation letter to Wells Fargo Bank, Nevada. The reason for this validation is a report on my credit history that I have not previously received validation for in the amount of {$9800.00}. Today, on XX/XX/2020 i received this same letter back with a return to sender stamp, unclaimed. I have also made a 2nd attempt to reach the company via fax, their fax number on record currently being XXXX. I have no recollection of this debt, and my request for validation of this debt has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX ( XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XX/XX/2018, TransUnion received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, TransUnion did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did TransUnion when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Also, in its investigation, TransUnion claimed to have updated my name in which they falsified my correct name on the credit report. Concluding, TransUnion did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX NA XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 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- @ ( 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: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective Measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XXXX, I have contacted the loss mitigation department for American bancshares to assist with unblocking my online account that is blocked from making payments due to being in the state program and receiving state funds from XXXX. The state stopped making payments in XXXX and I have contacted Americbanc shares to inform that I am trying to make my mortgage payment for XXXX and refuse to pay the fee for making the payment over the phone when online its free. My mortgage payment is late after today XX/XX/15 and no resolution. I have called multiple times today to the department and call gets disconnected or there was a large call volume. The several agents that I have spoken to have informed me to allow XXXX business days since I told them that the state stopped making payments and its past that time frame and my account is still blocked. I have requested to speak to a supervisor several times and keep being told that one will call me back but never do. It is very frustrating and upsetting that in order for me to get some type of resolution with my mortgage lender, I have to make a claim through the consumer finance because nobody in XXXX XXXX shares wants to help or find a resolution to ensure that I can make my payment on time. Instead, I feel that they would rather try to charge me a late fee when on XX/XX/15, I have been unsuccessful trying to get someone on the line to assist. It is a headache dealing with this mortgage company that can never provide any resolution and dont care about their clients or customers.