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

I hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency.

The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate.

According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. 

I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. 

Thank you for your cooperation in addressing this matter expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized access to a credit report wrong and unverified personal information
Product: Debt collection

On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Equifax, I filed an FTC, and a CFPB complaint on XXXX through the CFPB portal about my identity theft then I mailed the FTC, CFPB a statement and my identification to them on XXXX to prove who I am, I haven't had any response, they rely on their paying customers to validate if the debt is yours or not knowing the customer is going to say its verified for their own agenda you can send them all the identification in the world to prove who you are there going to believe the customer first. They are in direct violation of 15 USC 1681c-2 Block of information resulting from identity theft and 15 USC 1681n ( a ) liability for willful noncompliance Equifax unlawfully reported fraudulent accounts that arose from identity theft they did not verify as required by law on my consumer report. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy. I have sent all appropriate information required by federal law to Equifax on two different occasions no prompt action has been taken. Of course, I'm just a consumer.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, a representative from Republic Finance located on XXXX XXXX XXXX in XXXX, AL called me a total of 5 times via my cell phone with in minutes of each other. During two of those calls they left me two messages one at XXXX XXXX and the other at XXXX XXXX. On the 5th call I answered because I was at work and at that point I felt that I was being harassed for an account that was only a week late. I get that my account is late but to call me a total of 5 times is excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2900.00}, XXXX OF XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent experian a certified letter asking them to validate a collection on my report from fair collection and out sourcing. I asked them to prove this is my account with a signed contract. I also ask them to send me what they used to verify and validate this is my account. This account is not on XXXX  or XXXX. I have contacted experian for the last 5 years to send me proof and validation that this is my account and they never do. All they say is its verified without providing the resources I request.
Product: Mortgage

A Loan was taken out in XXXX of XXXX, the loan was subsequently purchased by freedom Mortgage in XXXX. The Property is a FL condominium, and during closing and with all other lenders " XXXX  XXXX '' was not required. It was not in the truth in lending documents and no other unit in the building with other lenders requires it. It is now being billed to my escrow account for lender placed coverage for an amount of {$1400.00}. This has caused my payment to increase without warning and created a hardship. This is not an underwriting requirement for XXXX or XXXX  and there was no due process or constructive notice in regard to the coverage requirement. The new lender was aware that this coverage was not in effect when they purchased the loan and chose to purchase it anyways. I have spent countless hours disputing this and no one can send me where it is a requirement for this in there underwriting guidelines.
Product: Debt collection

XXXX XXXX debt buyer is attempting to sue me for a debt I dont  know owe them, I have no legal contract with them and now they are using scare tactics and harassment by trying to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called speedy cash then just recently it was sold off to a company called XXXX XXXX XXXX XXXX This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted speedy cash collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted speedy cash I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact XXXX XXXX XXXX They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was speedy cash then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice
Product: Debt collection

I was contacted  at the end of XX/XX/2020 by XXXX XXXX ( a debt collection agency ) from XXXX, FL stating that I owed a debt. I promptly sent them a letter days later within the 30 day window requesting verification of the debt because I did not believe I owed the money requested. I never received a response back from them in accordance with federal consumer protection statutes. I followed the statutes in attempting to get this dispute resolved but the company did not seem to care. Months later I found out that XXXX XXXX contacted the credit score agencies in order to mess up my credit score. They were not allowed to do that without verifying the debt was mine which they did not do. This company is in violation of federal laws and should be disciplined as such. I would like this issue to be resolved so my credit score can return to normal. Thanks!
Product: Credit reporting or other personal consumer reports

Me and customer service that works for XXXX told me if I pay the remainder balance on this account it would be closed and removed off my credit report but has failed to do so. The information also being reported on my credit is incorrect on all credit bureaus. The day opened in incorrect and the date closed is incorrect. All information supposed to be 100 % accurate. These issues show a disregard for the norms that ought to be observed. You are in charge of making sure that all data is presented in a way that complies with compliance requirements. Anything less than conformance violates industry norms and is not acceptable. A particular field on my credit report is misreported, and it's inconsistent with the other bureaus. The item needs to be addressed and adjusted. Date Opened : The field under dispute contains information that doesn't match the other credit bureaus. Make necessary modifications. High Credit : The contested field is inaccurate and dissimilar from that provided by the other credit bureaus. Find a resolution to this field 's problem. Last Reported : The field in question is incorrect and contains information that is different from what the other credit bureaus have. Fix the problem and update my account. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Date Last Active : The credit report continues to inaccurately represent the error in this field. The inaccurate information should be examined and fixed. Date of Last Payment : Due to the fact that it's not factual, the information is erroneous. Asking to verify under the law or address it. Payment History : The reported field is inaccurate on the credit report due to the way it has been reported, and it does not match the information from other bureaus. The item needs to be fixed promptly and without delay.

My credit score and financial stability could be negatively impacted by these mistakes. Therefore, in order to correct these errors, I kindly request a thorough investigation into this matter. You are aware of the importance of accurate credit reporting and the potential consequences of errors, I think. 

I have the right under the Fair Credit Reporting Act to request an investigation into these matters, and I have every confidence that you will comply with the legal requirement to respond to this dispute notice within thirty days.

I am aware that these kinds of checks can be difficult and require special methods. But considering how important this is to me, I would really appreciate it if you could move more quickly. In order to resolve this issue, your abilities and commitment to accurate and fair credit reporting would be very helpful.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 my 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 60 days 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.

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 8
Product: Debt collection

Dear Loan Science, I am writing to formally request validation of the alleged debt associated with account number XXXX, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently received communication regarding this debt, and before I take any further action, I require verification to ensure the validity and accuracy of the claim. 

Please provide the following information : The name and address of the original creditor. 

A detailed account statement outlining the amount owed, including principal, interest, fees, and any other charges. 

Copies of any agreement or contract that legally obligates me to repay this debt.

Proof that Loan Science has the legal authority to collect this debt. 

A complete payment history, including any payments made or applied to the balance. 

Until this information is provided, I request that all collection activities, including reporting to credit bureaus, cease as per my rights under federal law. 

If you are unable to validate this debt, please confirm in writing that you will cease collection efforts and update any relevant credit reports accordingly. 

Please respond to this request in writing within 30 days of receiving this letter. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureau to investigate. I havent received any information on these accounts. They're inaccurate and need removed. I do not have obligation to the accounts and are serious error in reporting and further hinder my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, Experian denied me the ability request my free annual credit report through the use of XXXX. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity of receiving a copy of my credit report, in regards to the massive breach of XXXX.
Product: Checking or savings account

I am writing to express my concern regarding the recent restriction and subsequent locking of my checking account without prior notice or explanation. Despite multiple attempts to contact your support team, I have not received a clear reason for this action, nor have I been provided with a timeline for the release of my funds. 

I understand that accounts may be restricted due to suspected fraud or other security concerns. However, I have not been informed of any such issues related to my account. Additionally, I am aware that accounts can be frozen for reasons such as unpaid debts or suspicious activity. 


I have come across similar complaints from other XXXX customers who have experienced account restrictions without clear communication or resolution. 
XXXX Given the urgency of accessing my funds, I respectfully request the following : Immediate Clarification : A detailed explanation of the reason ( XXXX ) for the restriction and the specific actions required to resolve the issue. 
Timeline for Resolution : An estimated timeframe for when I can expect the restriction to be lifted and my funds to be accessible. 
Alternative Solutions : If the restriction is due to an unresolved issue, guidance on how I can address and rectify the situation promptly.
Product: Credit card or prepaid card

Fraud concern : I was on XXXX in 2019 for a few months before canceling the benefits in Fall 2019. 

Bank of America continues to send me monthly emails about a XXXX card balance even though I never received my benefits as a prepaid card. Since I do not have a card, I can not view my supposed account since it requires a card number to login. 

I've called BoA multiple times and each time they assure me there is no balance and I will no longer be receiving emails, but the emails keep coming. 

I'm concerned some sort of fraud is being committed in my name to receive benefits that I canceled XXXX years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.