23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am complaining because there are many violations to my consumer rights that XXXX is committing. Account information : Opened : XX/XX/XXXX, High balance {$190.00}, original creditor : XXXX XXXX XXXX. I am demanding Sequium to cease and desist from all collection activity pertaining to this account. 

These are my reasons : - The account has been re-aged. 
-They have failed to provide debt validation letter sent on XX/XX/XXXX. 
- They have ignored my requests and have also failed to investigate. 
- They are reporting discrepancies across bureaus. 

All this have make my score to drop month by month. I have not ben able to obtain loan due to this. All I am asking is the item to be removed as a compensation for all the damages that they have caused to my credit and personal life. 

Thank you.
Product: Debt collection

They had an automated messaged call and threaten to take me to court and sue me. When I called the number back to inform them they were in violation of my rights, she decided to try and convince me I took out a loan in XXXX at a place I was supposedly working, but the place that was on file I hadn't worked at since around XXXX. She then tried to tell me there was no statute of limitations on this loan, wouldn't give me any information to contact someone, threatened to take me to court, and still quoted wrong information. I told her if they garnish my checks then that is going to cause undue financial hardship for me and my daughter I'm raising, and I basically got an " oh well '', even though I never took out a loan in XXXX. I've never received anything in the mail, no prior phone calls or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Delete this account from my records because it is not mine, and I am genuinely upset to see it on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and fraudulent information on my credit report. I believe XXXX has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), XXXX may be held civilly liable for failing to meet its FCRA obligations. As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.
Product: Checking or savings account

I have been using this Marcus account for roughly 6 months and I have been consistently depositing money into it to save up. The account is not a CD so I expect to have the liquidity flexibility for my funds. My latest deposit was last night ( after hour ) and while the deposit went through smoothly, this morning while I tried to withdraw for a first time in a bit, I could not proceed and kept getting error messages. I tried calling the customer hotline, which was ONLY NOTIFIED THEN that there was a restriction on my account. I proceed to request information on when and why was my account restricted, as well as removing the restriction and not only did I not receive ANY INFORMATION on why my account was restricted NOR WHEN the restriction was placed, the representative ( Diamond? ) told me that she could not verify my identity since I just changed my number ( though it is updated in the app, and I have verified with SSN, first and last name, DOB, secret security word, as well as email ). I spoke to another representative, XXXX, which, apparently, has access to the record of me speaking with XXXX, and aggressively told me I will have to wait XXXX business days to hear back since my phone number did not meet the criteria to be verified. Of which, when I asked why and what are the criteria, XXXX refused to provide me any additional information about why my phone number does not meet the criteria and what the criteria is. This is violating my rights as a consumer since I was not notified at all about the restriction and now, I can not have access to my emergency funds, specifically for withdrawing only and not depositing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 XXXX XXXX XXXX XXXX  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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX derogatory account on my credit report by the name of XXXX XXXX XXXX. I have sent over XXXX dispute letters since XX/XX/2020 to XXXX asking them to investigate the account and I have yet to receive a written response with validation documents or see any updates on my credit report.
Product: Money transfer, virtual currency, or money service

This past summer I was scammed out of {$14000.00} that was part of a larger ongoing scheme that defrauded me in the past. The people who did this were under indictment in NJ and were out on bail, traveled to Florida and started up their fraudulent schemes. They had a lot of my information so it seemed legitimate. When I got in touch with Chase, the bank that the fraudster deposited my funds into, they refused to actually deal with it. The fraudsters had multiple accounts at Chase and were laundering money through them as they did in NJ. Chase did nothing to stop this, and allowed the deposits with an account number or a signature, making it impossible to track down the fraudsters. The story is briefly outlined below. Chase should have known that this organization was under indictment, and protected me as well as worked with the bank that the money was transferred from to help them track down the fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2017 from Discover. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Product: Mortgage

They refuse to update the payment to reflect all payments received timely and returns payment to ensure you are late.
Product: Checking or savings account

This NFCU has to be the worst. I deposited a check at XXXX in my time zone, they mentioned it was after their cut off time which works on XXXX. Not the time zone that the deposit is being made. They placed a 2 day hold ( XXXX local check where deposit is being made ) then didnt inform me of an extended hold until Saturday which is not a business day. Per regulation CC they have to notify me within one business day if the hold will be extended, in addition the regulation also states that for checks over {$5500.00} if the hold is extended then XXXX has to be released and the remainder can stay on a reasonable hold. 
When I brought this to their attention they did not care and only advised that the hold would stay in place. 
With so many violations of the XXXX XXXX and a XXXX penalty you would think they would be following the reg. I have tried to call the fed reserve, NFCU, your office and have not gotten any help. 

Please help to stop them from doing what they want and only following the reg when it suits them.
Product: Checking or savings account

My boa checking account was closed on XXXX. I called today to find out when my bank account will be closed and also when I can get my check. But they didn't send me a definite time. I hope i can get my check soon.
Product: Debt collection

I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. Code XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX  accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

XXXX XXXX through an email ( XXXX ) said that a subscription is being renewed. I never signed up for this or asked for it. They are charging {$410.00} and are saying that the charge is going to show up in my bank account. They say that the Product Name is XXXX XXXX XXXXXXXX. I don't know what this is.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Prepaid card

On Sunday XXXX XXXX, 2015 @ XXXX I went to an ATM Machine at an XXXX XXXX bank in XXXX, Georgia XXXX to withdraw {$500.00}. The ATM did not dispense the cash! However the funds were taken off my card. I have been trying to get the funds back for a week now, but to no avail. I have tried with the bank and with American Express Serve prepaid card company! They keep telling me that there needs to be an investigation! A woman from the XXXX XXXX bank 's Risk Management department in California by the name of XXXX XXXX called American Express Serve Company and told them about the ATM machine not working and they still will not give me my money! This is very disgusting to say the least!
Product: Debt collection

This is not my account. Please provide validation of debt, method of verification and Assignment of Debt. 

SUNRISE CREDIT SERVICE # XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns regarding multiple issues I have encountered with the credit bureau. These include inaccurate account listings, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. I do not have an account with DEPTEDXXXX. DEPTEDXXXX  accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 
DEPTEDXXXX account # XXXX {$4900.00} DEPTEDXXXX  account # XXXX {$3500.00} CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) : remove all telephone numbers except ( XXXX ) XXXX XXXX 2. ) : remove erroneous employment data re : XXXX XXXX XXXX XXXX 3. ) : remove XXXX XXXX # XXXX 4. ) : remove XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 5. ) : XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Debt collection

My husband was texted by a company yesterday saying they were going to serve me ( his wife ) with papers for a lawsuit if I didn't immediately respond. When I called they gave me a reduced settlement option or a lawsuit. They threatened to serve me at work, and told me the debt was in the statute of limitations. Their phone number on the letterhead does not work, and I saw that a company with a similar, but not exact, name is on a fraud site. They call themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I gave them my debit card number and paid the XXXXXXXX XXXX because I thought they might be legitimate. They pressured this resolution. They gave someone else ( my husband, but still not me ) the information initially. I want to know if they are legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 items 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 items : XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

To whom it XXXX concern, In XXXX of 2017, I had a checking account with Bank of America. My ex-Girlfriend, had taken my bank card to deposit my payroll check that I had deposited every week. I later learned that when she was supposed to be doing this for me, she was also cashing checks, approximately, XXXX stolen checks, that she had stolen from her boss. I had no knowledge that this was happening until I spoke to her XXXX XXXXXXXX and the XXXX XXXX Police Department once she was arrested. She was subsequently arrested AND charged for the crimes associated with her cashing the stolen checks through my bank account. I am listed on the police report as a VICTIM on pages,4 of 15 at the bottom of the page, and have attached the police report to this complaint email. there are a total of 15 pages. 

I was Never a suspect, nor arrested for any of these crimes, as she was on camera making all of the transactions, and I was not there. this is noted in the police report on page 9 of 15. She was, and is solely responsible for these crimes.
Product: Credit reporting or other personal consumer reports

I recently received my TransUnion report and notice fraudulent inquires from Ally Financial and XXXX XXXX XXXX XXXX. Ive never given them consent to pull my credit report. Please remove these fraudulent hard inquires off my TransUnion credit report
Product: Mortgage

On XX/XX/XXXX, there was a fake closing on my property which I was the seller with no funding. The Title Attorney/Escrow Officer for XXXX XXXX XXXX XXXX orchestrated the deception and fraud is XXXX XXXX XXXX XXXX Her location is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX of XXXX XXXX XXXX, XXXX was the Investor/Buyer in this closing. XXXX location is : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, email : XXXX. XXXX and XXXX engaged in constructive fraud by misrepresenting a closing on XX/XX/XXXX in which they both knew there was no funding. The continued the deception by fraudulent non-disclose of material information including the closing records, proof of payoff. XXXX breached her duty of care and fiduciary duty to XXXX by failing to advise the XX/XX/XXXX closing was not legal. XXXX engaged in selling the property, again, from XXXX to another Investor Buyer, XXXX XXXX, of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX address is : XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX, an Attorney, sent me a letter in XXXX stating that she purchased the property from XXXX on XX/XX/XXXX and knew that the XX/XX/XXXX closing had no funding. XXXX bad business practices included misappropriating of funds. XXXX recorded false security instruments, General Warranty Deeds executed on XX/XX/XXXX and XX/XX/XXXX to be recorded by a government agency, the XXXX XXXX Clerk, XXXX XXXX XXXX, of XXXX Texas on XX/XX/XXXX and XX/XX/XXXX respectively. XXXX intentionally filed the XX/XX/XXXX instrument after the XX/XX/XXXX closing was done and waited three weeks to file the XX/XX/XXXX closing so it wouldn't affect the chain to title on the property. XXXX knew that her conduct was contrary to my interest. Her actions incited me to vacate my property when it property was not legally sold so it may be illegally transferred. XXXX unprofessional conduct, fraudulent and deceptive actions caused me financial and mental damages. The Creditor, Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX refuse to send a copy of the check/wire that paid off the debt. There is no way to see what was paid off and/if a Short Sale was negotiated or the payoff was renegotiated since I had disputed the amount. I would not have sold my property to XXXX XXXX if I did not close on XX/XX/XXXX. XXXX took that option out of my hands when she misappropriated funds and property on XX/XX/XXXX. I have never received a closing package from XXXX. The only document I received was a HUD Settlement Statement in XX/XX/XXXX which has the XX/XX/XXXX closing information which is not true. The XXXX, XXXX XXXX, confirms she did not fund the property on XX/XX/XXXX or ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

RMA has violated my rights to privacy 15 USC 1681 ( a ) ( 4 ) by receiving and using medical information without my consent, 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission.