23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This problem began back in XXXX XXXX when XXXX XXXX XXXX was collecting for this defaulted/ charged-off XXXX XXXX Account with a balance of {$980.00}. XXXX XXXX XXXX after reviewing my personal income and assets, they determined I was " judgement-proof '' for the foreseeable future. Soon I received harassing calls and letters from the " Law Office of Howard Lee Shriff '' in XXXX, RI. I agreed to pay {$10.00} a month towards the balance as agreed to with their Attorney XXXX XXXX. I have struggle to pay approximately {$220.00} towards the debt but had to stop since my income is not over {$800.00}. a month with many outstanding medical bills that I have to pay. I also have to pay co-payments for my medical coverage and prescriptions. XXXX I stop paying the {$10.00} a month after I notified them by phone, they sent me a false " unsigned '' court document filing a " judgement '' being entered in XXXX District Court in the XXXX Court House. This court date was to take place on XXXX/XXXX/XXXX. To my surprise, the case was never heard or even scheduled. This law firm of Howard Lee Schiff sent me a new letter dated XXXX/XXXX/XXXX claiming to discuss this judgement. It claims it is still owe per the court system. This Law firm of Howard Lee Schiff is using deceptive & illegal purposes to try to collect on a debt that is beyond the statue of limitations. I am going to send a letter to the RI Attorney General 's Office Consumer Protection Department and may consider seeking legal action against this " collection law group '' I have seen many complaints entered on web sites against their shady and unethical ways
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XX/XX/XXXX XXXXXXXX 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: Debt collection

Hunter Warfield collection, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XX/XX/2023 A notice of debt validation.

You Hunter Warfield collections have violated my Rights pursuant 12 CFR 1006.34 ( c ). 
You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt.

The law is explicitly clear ignorance of the law is no excuse. Your 30 day Debt validation period has ended and you FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear CONSUMER PORTFOLIO SVC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX, Missouri. 

It has unequivocally come to my attention that CONSUMER PORTFOLIO SVC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity theft and fraud laws in XXXX, Missouri, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CONSUMER PORTFOLIO SVC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CONSUMER PORTFOLIO SVC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CONSUMER PORTFOLIO SVC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Mortgage

Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX Dear sir or madam, I have a problem with Key Bank. I opened my checking account at Key Bank, XXXX, MI branch ( XXXX ) on XX/XX/XXXX Everything went smoothly. After that, I received my debt card. Welcome letter. The branch also sent me a letter and want me to talk to their financial advisor. 

On XX/XX/XXXX I received a letter from Key Bank fraud detection and risk analysis department, Reference # : ( XXXX XXXX MM ). it is stated that my account will be closed. Key Bank also may furnish negative information to a consumer reporting agency. I called the Key Bank and asked for why. They did not tell me the reasons. 

The thing is I never have any negative bank balance and any bank issue. My credit score is at least XXXX. 

I would like you help me to find out what happened, clear my bank record and keep my checking account open. 


Thank you very much! 
XXXX XXXX
Product: Credit reporting

I requested my XXXX free credit reports but was able to print only XXXX, XXXX and XXXX. 
Equifax reported they could not provide it on-line and when I tried to ask for it to be mailed I could not do so. When I went back to the Equifax web site it stated I had received my free credit report on XXXX/XXXX/2015 and I did not. I would like to get my report on-line so I can print it off immediately and submit information to make corrections.
Product: Checking or savings account

Bank of America put a restriction on my account on XX/XX/XXXX. I was no longer able to use my debit card or make withdrawals. I contacted them on XX/XX/XXXX and they told me that the account was frozen but didnt have any information to provide and that I needed to call back in 48 hours. I called again on XX/XX/XXXX asking about the status for me to access my funds and they told me the account is closed but that it takes 48 hours to process and that I should receive a check in the mail. I called again on XX/XX/XXXX to get information on the status of my funds and they told me the account is not closed but that I have restricted acces and that I need to call back Monday XX/XX/XXXX. All of my outgoing scheduled payments have been cancelled on the account, thus I have already missed my mortgage payment and other dues. Nobody has any answers for me.
Product: Credit card or prepaid card

I submitted payment through my online banking through Fulton Bank, through which this credit card is cobranded. Fulton Bank submits those funds electronically Via ACH and was received by XXXX on the same day. My credit card record shows that over {$800.00} was posted on 6-10 by XXXX however as of today, 7 days later, I am being turned down when I try to use my card and XXXX representative is trying to tell me there is a hold on those funds. It seems it would not be lawful for them to place a 7+ day hold on funds that were delivered electronically. I have never experienced this issue in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX   - Account : XXXX Creditor : XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX XXXX   Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX. XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed from my credit file.

The fraudulent accounts in question are as follows : 1. 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
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  {$3700.00} XXXX XXXX- {$250.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} I have sent a FTC report and other supporting documents to Equifax and had multiple investigations on behalf of the information that is wrongfully being reported to my consumer report and this last investigation has been 30 days. They confirmed it started on the XX/XX/year> and now they have opened yet another investigation without even finishing and sending the information on the last investigation. I am furious and I need something done about this as soon as possible before I have to take legal action!!!!!!!!! As I stated before this is not the first investigation and the current is now 30 days past due which means they have no choice but to remove the following information off of my consumer report! If not legal action will be taken!!
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 30 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

I am a XXXX Veteran and was told that I could get a great discount from USAA for XXXX XXXX. I Called USAA for XXXX XXXX 3 weeks ago they gave me a quote and said I can receive the insurance the only thing that was holding me back they said that I had a freeze on my credit report. I called all 3 bureaus and took the freeze off there are no freezes on my credit reports now. I also called XXXX XXXX they comfirmed this as well. I still have no auto insurance from them. They keep giving me the run around and will not give me insurance. I feel that I am being age discriminated against. There is no reason why I should not have auto insurance. I would like someone to reach out to them and find out why I do not have my insurance yet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear XXXX, I am writing to you with a request under the provisions of the United States Code Title 15, Section 1681i, which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted. 
My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer. 
In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being. 
Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report. 
The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting on my credit report : XXXX XXXX XXXX XXXX # XXXX, ACCOUNT XXXX  XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX inquiry In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX/transunion per Transunion credit report XX/XX/XXXX XXXX XXXX est fall off dateXX/XX/XXXX looking at XXXX XXXX, XXXX XXXX was removed from credit reportXX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; XXXX XXXX was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXX XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-XXXX for XXXX is 4 years and previously XXXX already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed
Product: Credit card

Citi - I have XXXX accts with this company, XXXX XXXX card, XXXX card and XXXX XXXX card. I have not been late with payments beyond XXXX  day or XXXX as far as I can remember. I have never gone near my account limits. I have always paid more than the minimum payment. Between XXXX 2024, CIti decreased all XXXX credit limits to just above my credit balances. A total of {$17000.00} decreased from my credit limits. {$8000.00} from my XXXX credit limit alone. When I contacted Citi, they said it was due to my XXXX  credit score. My XXXX credit score at the time was XXXX. Citi 's own credit scoring system showed XXXX. Now, my credit score is XXXX. This has caused my score to go from good to needs work. When they did this and refused to reverse their decision, I locked the cards and cut them up. I started paying only the minimum payments on these cards. Since then, they decreased my limits XXXX more, always to just above my balanced, keeping my utilization high. The last XXXX times, they say they are doing this due to high balances on revolving lines and low payments on XXXX or more accounts with us. I have made only the minimum payments on these accounts due to their actions of treating a good customer very poorly. I worked hard to get my score up as high as it was. Even if they were to restore my limits to what they were in XXXX of 2024, my score will not be what it was.