23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synergetic Communication , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, www.syncomcorp.net has been sending me mail correspondence claiming I owe a credit card debt of {$2400.00}. The latest mail was received on XX/XX/2022 with an offer to pay a discount offer of {$610.00}. Each mail I get keeps offering a lower discount payment. The problem is that this company is trying to collect on an account for a XXXX card from over 20 years ago that I never had. I do currently have a XXXX  card and called XXXX to see if this collection attempt is legitimate and they have no record of my name in their system going back that far, as I know I didn't possess a XXXX card that many years ago. This letter contains specific language stating that if I act on this debt in any way via making a payment, sign a paper admitting that I owe the debt and promising to pay, or sign a paper in which I give up " waive '' my rights to stop the debt collector from suing me in court to collect the debt. There is no way I will contact this company in any way so that they can use me contacting them to open up an entirely new debt collection that will last for the next 10 years until the statute of limitations expires again ( according to their bogus claims of me owing this debt ), thus opening the opportunity for these scam artists to sue me. Now, if I attach the letter I received and it is sent to this scammer, will that constitute them reopening this account to sue me? I would hope that is not the case as I'm just simply providing documentation of this company sending me this bogus collection mail document. 

Now, this was all premised by them saying that this debt is too old for me to be sued due to statute of limitations and I can't be required to pay it through a lawsuit. 

This nonsense harassment from this scam company has to be stopped. I can't imagine how many other people receive these same letters trying to scare them into submitting to their scare tactics. This nonsense has to stop and this company needs to be shut down and have to pay penalties for sending random people bogus collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. THIS IS MY SECOND TIME SENDING THEM MY DISPUTE LETTER HOWEVER, I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS
Product: Credit reporting or other personal consumer reports

I tried to log into my account, like I do any other day, using my device, with my saved, passwords, but this time it doesnt remember me, says my information is incorrect, so when I try to go through their verification processes, they tell me that my own telephone number is not the one on the account, so thats a huge red flag that my accounts been compromised and changed somehow, or theres an issue on experience and. I tried to call them multiple times, I cant even get through to a human being. Obviously I did not think I was going to have this experience, and I cant speak for anyone elses, but I need them to have some kind of punishment or repercussion, I need my account back, and then I need to see them in a court of law, for screwing with millions of people and theyre very personal information!! Im not joking. Im not kidding. You should not read this and chuckle or laugh. I look forward to hearing from you soon about what is going to be done.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. Your agency has clearly refused to follow the law and honor my previous request.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely.
Product: Mortgage

I am extremely upset in the way Seterus has failed to provide sufficient information in regards to my review fro a Principal Reduction program my lender XXXX participates since XXXX XXXX, 2016! I can not believe the way Seterus is giving me a difficult time for my review. They have failed to provide the XXXXLTV ratio to see if I qualify for this program. Seterus has also mention they do n't participate in this program, but according to my lender that should n't affect the review because as long as the lender participates in the program they are obligated to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. handle this XXXX asap please, I'm fed up.
Product: Credit reporting

I have sent numerous letters disputing the validity of medical bills on my report. I 've asked for validation in which they respond VERIFIED .... which is NOT TRUE!! I am uploading a recent letter from the creditor appearing on my report. Which clearly states THEY HAVE NO VALIDATION. How can these accounts been verified if the source CANT VALIDATE?
Product: Mortgage

Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?
Product: Mortgage

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this account has been switched, it is still showing on my credit report.
Product: Mortgage

I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Bank of America acc # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 



Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX  - {$14000.00} Opened - XXXX XXXX XXXXXXXX  ( XXXX yrs, XXXX mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian received my dispute for multiple collection accounts that do not belong to me. 
I discovered that the account did not belong to me but instead belonged to an individual with a similar name. 
I provided relevant proof to demonstrate that these multiple accounts do not belong to me, and I mailed a request for documentation from the original collection agency that can verify and validate the debt. 
Documents revealed addresses where I have never resided. 
In addition, XXXX XXXX XXXX sent a response that included a HIPPA form with a signature that does not match mine. 
Experian didn't perform a proper and comprehensive investigation after receiving original documents from the collection agency. Experian instead responded with " account has been verified. '' The multiple accounts are still on my credit report. I need this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the XXXX XXXX credit union. 

The Problem is with a previous account that i had with People 's United Bank.

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX  and XXXX  XXXX XXXX
Product: Credit reporting

I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i have a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Debt collection

United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. 


UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX
Product: Credit card

Back in XXXX I used a credit repair person to repair my credit and he opened 3 Navy Federal credit cards through my account making three different people authorized users. I found out about this on XX/XX/XXXX while trying to purchase a home. I called Navy federal immediately and this information was told to me by a representative. He also told me the names of the authorized users. I had no knowledge of this individual opening credit cards in my name. Navy Federal sent me a Fraud Form and I filled it out and mailed it to them.
Product: Credit reporting

Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c- 2 ( a ), as I am a victim of a recent data breach. These accounts, listed under my name, are the result of fraudulent activity, and I respectfully ask that they be removed from my credit file to prevent further damage to my credit profile. 
Please consider this request under the provisions of the Fair Credit Reporting Act and take the necessary action to block and delete the following accounts : Accounts to be Blocked/Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiries to be Blocked : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

This is regarding Cash app. A card that Ive used for years to send money to my parents to pay them for my car also for my fianc to send me money so I could pay our rent upon doing this. They said a transaction went against their policies therefore they closed my account because they said it was fraud or gambling, which is incorrect because like I said, I use this card for years to send and receive money from my parents, my husband, my daughter then all of a sudden I go to send my daughter money one day and Im notified that my account has been closed. I have requested an appeal in XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard anything back and I keep getting the runaround. Oh XXXX sure we sent it to the correct department. It can take up to 30 days. Its been over 30 days and still no response. This has caused me to almost lose my home. I was XXXX days away from being homeless in the middle of winter.
Product: Debt collection

I have received 2 noticies on a debt owed to XXXX XXXX from Convergent Outsourcing, INC. in the amount of {$4300.00}. I have not responded to them because I do not owe this company any money, I feel it is a scam and i feel if I answer they will continue to send written data to my home. The latest letter has stated payment amounts to be made and sent to XXXX XXXX. Can you please tell me what to do next other than ignoring there letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information.

You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately!

I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately