23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX am formally disputing any and all debts that CAINE & WEINER say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt.. 

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details. 
2. The original purchase agreement between CAINE & WEINER the original creditor, proving legal authority to collect this debt. 
3. Proof that CAINE & WEINER is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information. 

CAINE & WEINER has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies. 

Becausee of thesee violationss, CAINE & WEINER has no legal authority to collectt or report this debt.
Product: Mortgage

On XX/XX/XXXX I received a letter from Statebridge Company regarding my residential mortgage, Loan Number XXXX. This letter is dated XX/XX/XXXX and claims my payment for XX/XX/XXXX was never received. The letter also lists a payment amount due of {$2100.00}. Statebridge has received my payment for XX/XX/XXXX and has processed payment, according to my bank statement. The amount Statebridge is claiming to be the monthly payment due, {$2100.00}, is including an assessment for forced placed insurance. This has been an ongoing issue with this company, demanding payments already received and in amounts including insurance that was not necessary. My property has never been without insurance and Statebridge has confirmed receipt of proof of insurance. The confirmation of proof of insurance was communicated through a response to a previous complaint on this website, CFPB. The gross incompetence of Statebridge Company needs to be investigated immediately.I consider the handling of my account and the communications from Statebridge to be harassment and an attempt to fraud. The stamp used to mail this Late Notice is not the usual postage, but an actual " Forever '' stamp that would have been placed on the envelope by an individual.

The documented history of this issue, on this website ( CFPB ) shows behavior that confirms my claim of being a victim of fraud and harassment.
Product: Debt collection

I am a victim of identity theft and noticed a collection from IC SYSTEMS. 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 IC SYSTEMS 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

I was late on my XXXX XXXX XX/XX/XXXXand they abruptly closed the account which if was in their t & c was my fault. However, I've recently since XXXX 2024 have been making payments and they keep reporting my payment late on my credit report which is not true. I even made more than the minimum payment this month. The company is impossible to get a hold of and uses anXX/XX/XXXX on their site. I want my credit report to be updated correctly and the company to stop falsely reporting late payments. I believe this is a bullying tactic used by XXXX to force me to pay the amount in full.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report, and I have no idea why. I regularly check my report, but this time there were errors out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but nothing changed. The wrong accounts were still there. I'm now asking for the documents Ive sent to be thoroughly reviewed so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802.

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed. 
U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported. 
U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the experian, XXXX, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX  XXXX - {$100.00} - Revolving Paid XXXX XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX   XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX   XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Real Estate Paid XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized transfer and reporting of the XXXX account ( # XXXX ) on my Equifax credit report. The account is marked as Account Transferred Or Sold, indicating that my personal and financial information was shared without my consent. This action is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. I demand the immediate removal of this account from my credit report and request an investigation into this unauthorized action. 

Issues Identified XXXX. Unauthorized Transfer of Account : The XXXX account was reported as Transferred Or Sold on my Equifax credit report. This action occurred without my knowledge or consent, which constitutes a breach of privacy and a violation of my rights. 
XXXX. Breach of Privacy : The unauthorized transfer or sale of my account information without my explicit consent is a severe violation of my privacy rights. The disclosure of this sensitive information to third parties without authorization is unacceptable. 

Violations and Impact The unauthorized transfer of my account and the continued reporting of this account without my consent violate the FCRA and my privacy rights. This unauthorized action has caused significant concern and potential harm to my credit profile, as it involves the mishandling and potential exposure of personal financial information.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized transfer and reporting of the account violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized transfer or sale of my account information without consent is a violation of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting or other personal consumer reports

TransUnion is in violation of my consumer rights violation 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I have about {$100000.00} in private student loans with XXXX they were discharged in their entirety through default judgement when the US bankruptcy court, they are now saying I still owe the money and the credit bureaus are not helping me correct this.
Product: Mortgage

I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.
Product: Prepaid card

I've been three ( 3 ) Ameican Express gift cards totaling {$170.00}. None of them work at any location -- online or physical -- that I have ever tried. I've reached out to Amex who gives me the same prepared statement that " these cards are accepted by all major retailers ''. They are not. Now I have {$170.00} of useless plastic.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act the XXXXXXXX XXXX account has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. I reviewed my Experian credit report on XX/XX/year> and noticed some things that are incomplete and incorrect. According g the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual whom the report relates to according g to 15 usc 1681 ( e ) ( b ). 
And according to 15 USC 1681 they are supposed to reinvestigate and notify furnished of in correct information. And not furnish any information about consumer to consumer agencies. My name is misspelled as well my name is not spelled XXXX. 
My name is not XXXX XXXX I have never lived on a XXXX XXXX. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding a personal loan I obtained for {$2000.00} from Opploans aka XXXX that is in violation of Ohio 's usury laws. The loan carries an exorbitant interest rate of 160 %, which I have since learned is illegal under Ohio law. 

Details of the Complaint : Loan Amount : {$2000.00} Interest Rate : 159.25 % Finance Charge : {$1400.00} Date of Loan : XX/XX/year> Lender : Opploans aka FinWise Violations of Ohio Law : The loan violates several provisions of the Ohio Revised Code, including but not limited to : 1 ) Ohio Revised Code 1343.01 : This statute sets the maximum allowable interest rate for loans and clearly establishes that interest rates exceeding 8 % per annum are considered usurious. 
2 ) Ohio Revised Code 1321.52 : This code regulates the practices of licensed lenders and prohibits predatory lending practices that exploit vulnerable consumers. 

Impact and Concerns : I was NOT made aware that such an exorbitant interest rate was illegal in the state of Ohio until I researched the matter after receiving the loan. The practices employed by Opploans appear to target specific demographics, creating a predatory lending environment that exploits individuals who may be in need of financial assistance. 

This situation has caused significant distress, and I believe it is in the best interest of both parties to resolve this matter amicably. 

Given the nature of this violation, I am requesting the following actions : 1. Immediate deletion of this loan from all three credit reporting agencies ( XXXX, XXXX, and XXXX ) to rectify the harm caused by these usurious lending practices. 

XXXX. Clear the debt owed to balance. 

XXXX. A written confirmation that my request for deletion has been processed. 

Please note that I have retained litigation due to the intentional violation of Ohio 's usury laws, as well as the predatory nature of this loan. I will also cc the Ohio Attorney General regarding this matter. The only correspondence I will accept is via email, letter, cfpb, or attorney general. I will not be calling to speak with a representative with no authority to authorize the request. I have enough information gathered to pursue litigation but hoping to rectify this without with involving any litigation or civil suit. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX/XXXXXXXX XXXX/XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding @ Astrology Nurse : Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates.
Product: Money transfer, virtual currency, or money service

Hello I made a transfer with the company Remitly on the XXXX of XX/XX/2020. The transfer amount was of {$2000.00} to transfer to XXXX and receive R {$10000.00}. The transfer was to arrive on the XXXX of XXXX. I received an email saying it was being delayed for some technical reason on the XXXX. Then I received another email 20 mins after that one saying the funds had been successfully been sent to my bank in XXXX and they would be available at XXXX XXXX  EDT. Its been over 3 days and they funds have been delivered to my account in XXXX. The only way to contact them is through a chat on their site and I have tried the chat twice and every time they say to wait a few more days. The last time I was on the chat was today Friday the XXXX of XXXX and someone told me to give them time that it would be resolved as soon as possible and that they are having technical issues. I don't think thats a good response with no information at all just to wait that they would resolve it as soon as possible. They have shut off all phone and email communication and they people at the chat give you no useful information. I am afraid to lose my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX, XXXX and Experian. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, Housing etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Sage Stream to mail me a full and complete copy of my Sage Stream Consumer Report.