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

XXXX XXXX XXXX ( XXXX XXXX XXXX ) 1 LATE PAYMENT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX In Accordance with the Fair Credit Reporting Act This creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1666b - Timing of payments ( 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. Which they have never done which is a violation of my rights, legaly it is not supposed to be there.
Product: Credit card or prepaid card

Rooms to Go has charged me {$160.00} in late fees from XX/XX/XXXX thru XX/XX/XXXX even though I have been paying the bill monthly on time, the late fees are, what's happened is they are not posting the payment on the date that im paying the bill and incurring late fees on top of late fees. The problem started in XX/XX/XXXX, until then I have had no problem, and I have had the acct since XX/XX/XXXX. My outstanding balance in XX/XX/XXXX was {$370.00} and between XXXX thru XX/XX/XXXX I have paid {$100.00} which should leave an outstanding balance of {$270.00} minus the {$160.00} unfair late fees leaves an outstanding balance of {$110.00} which I am willing to pay. Rooms to Go uses Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT phone XXXX, and Synchrony Bank  Reps are the people I have to speak with whenever dealing with the account. I also want no negative remarks on my credit report regarding this account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, TX, XXXX Account - XXXX SPS Select Portfolio Servicing https : //www.spservicing.com/ To whom this may concern, I am writing this letter to support my loan modification plan for The property of XXXX XXXX XXXX, for loan I intend to retain and stay in my house ; my hope is that the loan modification will allow me to get my loan in order and back on the path of consistent payments. 

Due to my illness ( I have XXXXXXXX XXXX ) I had to stop working due to difficulty in both driving and going to and staying at work, this caused a total loss of my income and ability to support my house financially. My wife took over financial responsibility ; my wife alone is economically supporting the house. 

A loan modification would be of profound value to both my family and me. Our hardships will be dramatically reduced. I am deeply in the desire to retain this house both for myself and my family. 

I hope that we can work together, and quickly modify this so that I may begin to make the payments as soon as possible.

You may contact me at XXXX and/or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX CREDIT BUREAU Dear XXXX XXXX I write this letter to formally bring forth a complaint against XXXX for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

On XX/XX/2024, I sent a letter to [ Debt Collector 's Name ], requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from XXXX claiming that my information has been verified. However, the response provided by XXXX contains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA. 

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : XXXX. The name of the original creditor XXXX. The original account number XXXX. Documentation confirming that I am responsible for the debt XXXX. The complete payment history, including any interest or fees charged XXXX. Any agreements or contracts that evidence the existence of the debt XXXX provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but XXXX 's actions have left me no choice but to seek assistance from your reputable organization. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take the necessary actions against [ Debt Collector 's Name ] for their failure to comply with the FDCPA. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances. 

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/XXXX I set up a payment plan with Citi Bank credit card services. I was put on a payment plan of {$160.00} a month to pay back balancedI owed. Every month from XXXX to present day I have made my scheduled payments. In XXXX of 2020 I I check my credit report as usual and found that my score had dropped 42 points because citi reported I late paying {$360.00} that I never was aware I had to pay since I had been paying the {$160.00} every month. I was never notified that I was late or owned more that the agreed amount. I disputed it with XXXX and was told after investigation the could not give me any information and said I had to reach out to citi to discuss what proof they provided to confirm that I was late on payment. I provided XXXX with proof of payment history. After a second dispute the credit report was unchanged and they have recent payments listed at {$0.00} but my balance is around {$2000.00} less than it was in XXXX. I never was asked to pay {$360.00} when I called in to make payments and never received any notices that I was also behind. XXXX also had my account closed as of XXXX and it was closed in XXXX per Citi in order to establish payment agreement.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You 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 your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX. 
2. XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX error_outline
Product: Checking or savings account

This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute. 

Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.
Product: Checking or savings account

This is a very confusing story but, all in all, as you will see will be very obvious it is not my fault. My cellphone, USAA bank acct, XXXX, XXXX, and XXXX XXXX was hacked and all funds were emptied. 
On Approx XX/XX/XXXX I went into a gas station ( pics included ) and paid using my XXXX  phone with XXXX XXXX  for the first time ever. I paid using my phone as my card was in my car and I was too lazy to go and grab it. So I sat at the self-checkout line with my things and set up the XXXX XXXX then tapped my phone and paid for my stuff. I never thought anything more into this until weeks later. 

On XXXX XXXX  is when the draining of the accounts started. The hacker emptied my USAA checking and savings then, my XXXX XXXX ( transferred the money into bitcoin then took it out ), and XXXX. And they were able to cash a FRAUDULENT check for XXXX in my name to some random person then they immediately took {$4500.00} out to someone I didn't know via XXXX XXXX. They did all of this XXXX night at XXXX or so EST and I did not notice until XXXX XXXX  EST on XXXX day. USAA said to file a police report and then I can say there is fraud on my acct. I filed a police report days later approx XXXX XX/XX/XXXX with officer XXXX XXXX at XXXX XXXX county sheriff 's office regarding my phone, USAA bank acct, XXXX, XXXX, and XXXX XXXX  being hacked. USAA said it was under investigation for over 90 days while my account was still in the negatives and they took XX/XX/XXXX and XXXX XXXX paychecks to cover the negative balance for my checking which at the time was {$4500.00}. Because the fraudulent check didn't go through and I 'owed ' them {$4500.00}. My taxes came in from the IRS and they took all of that as well. I owe USAA nothing now but, I never should have owed them from the beginning. I want my money back. My credit has gone down almost XXXX points because I wasn't able to pay bills. I had to take out an additional loan or two and the stress of not being able to find where my next meal for my family and I. {$4500.00} may not seem like a lot but, I don't have it like that. I am XXXX XXXX XXXX XXXX and it is a shame they do this to servicemembers and their families. I was forced to get another job to provide for my family and make ends meet. 

I will attach screenshots from my cell phone regarding the messages that I have never seen or read but whomever has access to my device was able to reply or check them for me. 

Remedial actions : New phone, SIM card, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent to Experian in regard to account name : ( XXXX XXXX XXXX ) Account XXXX. 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC.13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record acquisition of such information without the authorization of the individual. 
Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Student loan

On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized
Product: Credit reporting or other personal consumer reports

XXXX removed XXXX XXXX XXXX  equifax removed it but XXXX and XXXX havent permanently removed the account. If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, XXXX and Trans Union Credit Reporting agencies. XXXX replied with the attached letter dated XXXX XXXX XXXX informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with XXXX Regulations. Please review the attached documentation and investigate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX department Subject : Formal Demand to Remove Fraudulent Accounts Under FCRA Dear sunrise credit XXXX XXXX XXXX XXXX XXXX, I am writing to formally demand the immediate removal of all fraudulent and unauthorized accounts, inquiries, and negative items from my credit reports. As a victim of XXXX XXXX and identity theft, these accounts were opened and used without my knowledge or consent and do not represent my legitimate financial history. 

Legal Basis for My Demand Under the Fair Credit Reporting Act ( FCRA ) : 1.You must investigate disputed items within 30 days of receiving a dispute and supporting documentation. [ 15 U.S. Code 1681i ( a ) ].

2.If fraudulent activity is confirmed, the disputed items must be permanently removed or blocked within four business days of verification of my identity theft report [ 15 U.S. Code 1681c-2 ( a ) ].

3.I am entitled to request a fraud alert or a credit freeze to prevent further damage to my credit [ 15 U.S. Code 1681c-1 ].

Action Required Conduct a full investigation of all disputed items and fraudulent entries in my credit reports.

Remove or block all entries associated with unauthorized accounts and debts.

Provide written confirmation within 30 days of the results of your investigation.

Enclosed Documentation To verify my claim and assist in the investigation, I have included the following : 1.A copy of my government-issued ID for identity verification.

2.Any supporting documentation, such as XXXX XXXXXXXX XXXX and 605 C form Timeframe for Compliance Per the FCRA, you are legally obligated to : Acknowledge my dispute within five business days. 
Complete your investigation within 30 days. 
Notify me in writing of any corrections, deletions, or remaining entries. 

Failure to Comply Failure to meet your obligations under the FCRA may result in legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). I trust you will handle this matter promptly and in compliance with federal law. 

I look forward to your timely response and resolution of this matter. If additional information or documentation is required, contact me immediately at the information provided above. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of government-issued ID FTC Identity Theft Report Supporting documentation ( if applicable )
Product: Checking or savings account

My wife and I never received our 1099R forms from Alliant Credit Union We were told that they were mailed out on XX/XX/year> We never got them - i doubt both forms were lost in the mail I have talked to 3 customer service reps and sent 5 emails to try to resolve this All i'm getting is a run around I can't do my taxes without this info Thank you
Product: Credit card or prepaid card

I received a Visa Gift card issued from XXXX XXXX, I didn't pay attention to the fine print, it turned out that if the card is not used within 12 months, it starts to lose {$2.00} per months. 
I called the # provided on the back of the card, 12 months of charges were re-loaded but I was told they can't go beyond 12 months. I say this is a rip off and no one should use there types of gift cards because people tend to forget what they have and most don't check the fine print.