23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE ; Fay Servicing LLC-Loan Account # XXXX To whom it may concern, I just received the following letter from Fay Servicing and i am really upset with all the misleading information that XXXX XXXX is providing us. 
Over a year ago i requested for help under the XXXX Short Sale Program due to my hardship, As of XXXX 2015 my realtor finally got an approval on the XXXX Short Sale however the buyer was not able to get prequalified due to his income. The same month XXXX XXXX told me that my realtor was not acting in good faith and therefore if i want them to review my XXXX Short Sale i will have to look for another Realtor. 
So i did like XXXX XXXX from Fay Servicing told, i went and got a new Realtor. Now the new Realtor XXXX has been working on the account since XXXX XXXX as of XXXX/XXXX/15 Fay Servicing LLC/ XXXX XXXX stated that they issued an approval however the approval was received until XXXX/XXXX/XXXX giving us less than 10 days to close. At that moment my realtor told me it was n't enough time to close and he will be requesting for at least 10 more days to get the escrow finally done. 
Since then XXXX XXXX XXXX refuses to answer my realtor 's calls or emails, we requested for her manager and XXXX License Number and now she does n't even answer our calls. After 3 months trying to get a manager we finally got transfer to XXXX XXXX ( Senior Vice President ) who stated he will not issue the extension or any review because of my background. 
I am starting to believe that XXXX are trying to manipulate and take away my home. I dont know what to do now, please Im begin for your help. 



XXXX XXXX
Product: Credit reporting

I have XXXX negative accounts on my credit report from XXXX XXXX Bank, XXXX, and those XXXX accounts have been on my credit report since XXXX. However, in XXXX XXXX, I received XXXX XXXX XXXX Cancellation of Debt forms from XXXX XXXX Bank. I had to pay taxes on the cancelled debt and XXXX XXXX Bank received a write-off on their federal taxes. I informed each of the credit bureaus of this issue and sent copies of the XXXX XXXX forms. I requested that the negative accounts be disclosed as charged off or completely removed, because I had to pay over {$2800.00} in taxes by adding {$2800.00} to my income, and my income was already over {$70000.00}. I understand that I failed to pay my credit cards in XXXX and I accepted having the negative accounts on my credit report ; however, when the debt was cancelled and I had to pay taxes on the debt and XXXX XXXX Bank received an XXXX deduction for the write-off of the debt the aforementioned debts should have been removed from my credit report. No XXXX citizen should have to pay taxes on his or her debts and still have the debt appear negatively on their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and capital one credit card & auto reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Debt collection

I am not liable for this debt as it was paid by a XXXX XXXX with the state of Texas with Pandemic relief funds. The energy company said that I was on a program and that my lights wouldnt get cut off as long as I agreed to the continued charges. It was later I found out that they were not honoring the Program and I had the find assistance elsewhere. Which paid the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a DMP with XXXX XXXX in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now XXXX XXXX last 4 numbers reported me late without notifying me. I got reported late for under 15 dollars. I paid XXXX  XXXX  which then turns around and pays XXXX. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after XXXX excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB AUTO FINANCE Inquiry : XX/XX/2019, XX/XX/XXXX Inquiry : XX/XX/2019, XXXX XXXX Inquiry : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
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 XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

Violation of permissible purpose consent was never given to 3rd party to obtain private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report on XX/XX/2018, I saw that experian was reporting my account for XXXX XXXX acct # XXXX. They were listing the account with a balance even though the account was paid in full. They also listed the accounts with late payments and I had the account on auto pay so the payments were send out on time directly from my bank to the loan holders bank. I notified XXXX XXXX about the discrepancies and they told me that being that the account was closed that they would no longer be reporting my info to the credit reporting agencies and that the best they could do was send me a letter stating that the account was paid in full and that the account was never late. I received that letter from XXXX XXXX via email and us mail and I submitted all the information including a copy of the letter to experian. They sent me an update copy of my report a few weeks later with the an updated credit report updating my status to closed but not updating the late payments. On XX/XX/2018 I called experian and spoke to a credit specialist and I asked him about the dispute and why my late payments were still on my account after submitting proof from the bank that the account was not late. He stated to me that in their error they only verified that the account balance was paid off and it had a XXXX balance, but that they did not investigate with the bank the late payments. That is in total violation of section 609 of the FCRA.

They never investigated my dispute within the 30 day period and allowed this information to remain on my report, therefore hurting my ability to obtain credit.

They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$560.00}
Product: Bank account or service

I am a XXXX Citizen who is working as XXXX in XXXX XXXX, XXXX ( XXXX ). I have been trying to start an investment account in the XXXX for my retirement, but no company ( XXXX, XXXX, XXXX, Capital One, etc ... ) will do business with me because I reside overseas. I literally ca n't invest for my retirement in the XXXX because the XXXX firms are unwilling to work with me, a XXXX Citizen with a XXXX mailing address ( Minnesota ). How can these XXXX based companies discriminate against a XXXX citizen by refusing to create a XXXX Dollar based investment account solely because I reside abroad? I 'm not a rich person, and I am trying to save for retirement, but I am finding this to be impossible.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my many attempts to follow up on the matter. Despite providing ample evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a significant threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to address the removal of the fraudulent items from my record. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

I told them this is NOT MY debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I alleged debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken. 
XXXX XXXX XXXX XXXX .Comcast Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies. do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken.

Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies.
Product: Debt collection

I sent a certified return receipt letter with sufficient evidence of the amounts that I paid to the rental property on XX/XX/XXXX. I also followed up with an email on XX/XX/XXXX. I have disputed this on my credit report also on the XX/XX/XXXX with all 3 credit bureaus. They are stating I owe them {$240.00} which I do not.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from Cavalry Portfolio. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Cavalry portfolio in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aaccount opened At premier first bank on XXXX under the account number XXXX an auto loan opened at XXXX XXXX auto on XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account Name : XXXX Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00} XXXX. Validate Account Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$3800.00} XXXX. Please validate this inquiry is mine Inquiry name : XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Account number : XXXX Date of open : XX/XX/XXXX Balance : {$1500.00}
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously paid off my  XXXX   XXXX  credit card in   XXXX   and requested that the card be closed. In  XXXX    XXXX  , I received a statement showing a balance due. I contacted  XXXX   XXXX  and asked again for the card to be closed and the charges to be waived. Although the charges were waived, the card was not closed. The supervisor stated that he would have a new card sent to me so that I could use my credit and maintain a good credit score. I agreed. However, I never received a credit card. I have a statement showing the credit of {$9.00}. Now I have a 60 day credit hit and just received a statement showing a balance of {$220.00}. The rep stated that there are notes not to call me. I never provided a cease and desist. I spoke to  XXXX  today who transferred my call to a supervisor named  XXXX .  XXXX  stated that it would tak e 2-3 wee ks to investigate and I would be sent an affidavit to sign and return to them. The call was then transferred to a senior named  XXXX  who stated that it would ta ke 2-3 MON THS to resolve and update my credit bureau report.  XXXX  said that  XXXX  gave bad info. If  XXXX   XXXX  had closed my card the first or even second time I asked, none of this would be at issue and my credit score would not be impacted.
Product: Checking or savings account

Chase Bank closed my business account due to a check deposited into the account with a wrong name. 
They requested me proof of ownership of the check and I provided directly into to Branch.

Now they said that they don't have any documentation, ( this is not true since I have confirmed in the previous phone calls that they have all the information ) Now they debited my account with more than XXXX $ without authorization and Chase, kept my money don't want to return my funds. I have more than 4 months trying to recover my money and its impossible.The CHASE closed account number is XXXX under XXXX XXXX XXXX name. 
Last phone contacts on the phone number XXXX : XX/XX/2021 ( XXXX ) XX/XX/2021 ( XXXX  ) with more than 2 hour each call. 

Please we need your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, and I am fully aware that Frontline Assett Strategies has violated my protected rights by furnishing an inaccurate account to Consumer Reporting Agencies without my explicit consent. As of XX/XX/2022 I have noticed that Frontline Assett Strategies began furnishing a consumer report on my behalf claiming that I allegedly owe Frontline Assett Strategies {$2600.00} which has caused a significant decrease on my consumer report. I have never provided Frontline Assett Strategies any written instructions to furnish anything on my behalf, I have never given Frontline Assett Strategies consent to share my non public personal information, nor have I ever received any initial communication from Frontline Assett Strategies which covers the requirements of 15 USC 1692g. As a result of it trespassing upon my protected rights, I have been significantly damaged as my character has been defamed and my XXXX XXXX has decreased which is causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as I am unable to receive housing due to the decrease in my XXXX XXXX!