23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to :  For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting capital XXXX acct # XXXX, vive financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX patt acct # XXXX, XXXX patt acct # XXXX, XXXX XXXX acct # XXXX, w/f XXXX 's acct # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I bank with US Bank and have a credit card through them, as well. I woke up to fraud charges on my credit card on the XXXX of XX/XX/2023. Called US Bank as soon as I woke up around XXXX XXXX XXXX Tried to dispute the charges that were placed throughout the night as I was sleeping. They took off every charge except for one. The charge is for {$58.00} for XXXX. I do not even golf..They have the audacity to tell me I authorized this charge. The charge was made in XXXXXXXX XXXX and was manually entered, but I live in XXXXXXXX XXXX and have never even been to XXXX Plus, I was sleeping. I have camera footage from my house and work clock-in 's to prove I was in Colorado during this fraudulent charge.
Product: Payday loan, title loan, or personal loan

Initially a complaint was filed with the XXXX  with no resolution. The XXXX  complaint number is XXXX. This started as a business arrangement amongst three parties. The parties are the contractor ( XXXX XXXX XXXX ), the financier ( Dividend Finance ), and the consumer ( myself ). It took the contractor XXXX months to provide an install date from XX/XX/2022 to XX/XX/2022. This was despite the contract stating an install date of XX/XX/2022. This was issue number one. Issue number two On XXXX XX/XX/2022, the contractor misrepresented the system 's status and functionality to the financier in order to receive compensation. 
Also, on XXXX XX/XX/2022, via email, I notified the financier the system was not whole and not functioning as intended and that under no uncertain terms should the contractor receive payment. This is when the financier then altered the terms of the arraignment. Instead of exercising a modicum of due diligence and investigating my concerns, the financier released funds to the contractor anyway. Thereby putting the contractor 's interest above the consumer, this action deprived the consumer of equality in this arraignment. On several occasions, I spoke with and emailed the financier 's employees and stressed that they should do more to get the contractor out the correct my system 's issues. They did not do enough. The financier was under the misconception that they could compel the consumer to pay for an inactive system that was not functioning as intended. 
This situation continued for XXXX months and has resulted in Dividend Finance entering negative information on my credit report.
Product: Debt collection

On XX/XX/year> I called Aldous and Associates about a duplicate golds gym debt. I requested validation of the debt and the collector said after I paid one of them I could get validation to prove it is a duplicate. I paid for one of them and then the collector told me he could not send validation till I sent a written letter to their XXXX XXXX XXXX Very deceptive of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/XXXX I submitted to Freedom Mortgage a Notice of Appraised Value from the XXXX County appraisal District. to notify them of the tax value increase from the prior year. This home was a new construction and had not yet been taxed on the improvements. I sent the document in in order for Freedom Mortgage to do an escrow analysis and increase my payments so I would not be short in the escrow account at the end of the year. I wanted to make a payment to bring the shortage current and then have my payments adjusted higher in order to get to what the payments should be. However they refused to adjust my payments this was found out by a phone call on XX/XX/XXXX. I called since I had not received documentation on the outcome of the escrow analysis only to find out that they were refusing to re-evaluate my payment. I want to get this correct so it does not financially impact my family negatively. I know the account is short and I know my payments are too low, I do not want them to increase the payment by {$1000.00} at the start of next year because they refused to do the escrow analysis this year. It would be a great burden on my family and we would have to sell the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three loans showing with XXXX XXXX XXXX XXXX  that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}
Product: Mortgage

On XXXX of XXXX my mortgage was sold by XXXX Bank XXXX XXXX Bank. Since then and until XXXX of XXXX our mortgage was deducted at an agreed upon amount of {$4000.00} per month with no issues. We have no escrow account on this mortgage and never agreed to add one for XXXX XXXX and XXXX. In XXXX of XXXX our auto-pay deduction jumped to {$6200.00} with NO written or emailed communication as to why this was. After speaking to XXXX XXXXk we found out our mortgage servicing was taken over by a Company called SPS ( Select Portfolio Servicing , Inc. ). After trying to speak with multiple extremely rude and unprofessional people at SPS, they notified us that their internal department had determined ( illegally ) that we were underpaying our mortgage ( even though we never had a problem at all in the last year with XXXXXXXX XXXX ) and they also added an escrow account to collect Property Taxes and Insurance, even though this was never agreed to or part of our mortgage agreement. We asked them were the backup for these increases was and asked for it to be sent to us by mail and email and they refused. They said all key documents are in an online portal and they refused to ever send us anything by mail. The referenced a document dated XX/XX/XXXX ( which was never sent to us ) informing us of the incorrect and illegal increase. We asked for them to correct their mistake and they told us they would need to take XXXX weeks to review it and unfortunately, that means that our XXXX payment will have to be at the higher {$6200.00} amount, rather than the previously agreed to {$4000.00} which we had been paying for the prior year to XXXXXXXX XXXX. They said if we wanted to pay less this would be considered a " short '' payment and it might get reported to the credit agencies. They refused to take responsibility for any of their mistakes and are trying to bully us to pay the much higher amount, which is extremely difficult for us to afford. We would like this awful mortgage servicing company to give us back the money they stole through the unauthorized auto-pay they took in XX/XX/XXXX and we demand that they send us all communication from here on out via mail and email. Their criminal behaviour should be addressed as well.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I received an offer to advertise for XXXX water. I applied and, on XX/XX/XXXX, I received a check for {$2500.00}, by USPS. I deposited the check into my Bank of America acct the same day. I asked the bank teller if the check was a legitimate check, she said it looked real and the funds would clear in 24 hrs. The money was to pay a company to wrap my car w the XXXX ad and cover my first week of wages. I was then instructed to XXXX {$1000.00} to the worker doing the wrap on my car. I sent the money, then a friend notified me they suspected it was a scam. I called the bank the next day, notifying them of the potential scam and requesting an investigation to return my XXXX money. I inquired, if the money transfer can only goto a legitimate bank acct holder, shouldn't they b able to access the funds still, or at least investigate the acct holder of the received funds? It had been less than 24 hrs since the XXXX transfer. I was also still receiving instructions from the scammers to deposit more money to cover materials. Bank of America was hesitant to take action until the check had been returned, but I insisted on an investigation into the XXXX transfer at least. The check was returned two days later and my acct was charged for the funds and a penalty charge. I filed an investigation into the returned check. There has been no response to either investigation on the XXXX transfer or fraudulent check. The bank has no insurance or policies to combat this type of fraudulent activity. I feel as though the bank had no sense of urgency to track the XXXX transfer to return my money, and they did not show a genuine concern in aiding me in my attempt to disrupt the fraudulent activity.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Ally Financial regarding a refund check for GAP insurance that I have been unable to process. My name is XXXX XXXX, and I contacted Ally Financial on Tuesday, XX/XX/year>, to discuss this matter. 

I refinanced the loan without the co-owner, and the refinanced loan paid the GAP insurance in full. However, I am unable to deposit the GAP insurance refund check because it includes the name of the co-owner/loan holder, with whom I am no longer in contact, as he abandoned the truck and left town. The co-owner is not listed on the refianced loan. 

I requested that Ally Financial wire the refund amount directly to XXXX XXXX XXXX XXXX, the bank that refinanced the truck. I am prepared to provide the necessary account and routing numbers for this transaction. Despite my requests, Ally Financial has refused to assist me in applying this refund to my loan, stating that there is nothing they can do and they are retaining the GAP refund.

I have reached out to Ally Financial twice by phone and once by email regarding this issue. Furthermore, I have not received any documentation explaining why the refund amount is only {$1200.00}, given that the total for the GAP insurance was {$1500.00}. My loan with Ally was active from XX/XX/year>, to XX/XX/year>, ( 7 months ) with a term of 72 months. 

I would greatly appreciate any assistance you can provide in resolving this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 4 months, I have made several attempts to remind Equifax of its duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

On XX/XX/2021, I ran my credit report and noticed XXXX XXXX XXXX XXXX added a {$280.00} collection account to my consumer credit file. I immediately filed a dispute with XXXX XXXX XXXX XXXX and Equifax. 

Equifax refused to remove the XXXX XXXX XXXX XXXX {$280.00} collection account stating the debt collector validated this is my account. I don't recognize the debt so I am requesting the unverified collection account information be promptly removed from my Equifax credit report. 

Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that Equifax did not have my consent.

Under 15 USC 1681 a number 4. Equifax did not exercise their grave responsibility Equifax was unfair, Equifax was partial and did not respect my right to privacy. 

Equifax never had a permissible purpose Under 1681 b number 2. I never instructed Equifax to furnish this report or to create this report. I never consented to this report in the first place.
Product: Debt collection

this is my second letter to convergent outsourcing,XX/XX/2020 and XX/XX/2020 and they have not responded to neither letter or given me the information that i requested. Please assist me in this matter
Product: Credit reporting

These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached XXXX email from a company I asked not to submit my credit to all these different banks and they done it any way. 
he following information is part of your credit history and is provided to others. 

XXXX XXXX BANK Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX CREDITXXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 THESE ACCOUNT LISTED BELOW ARE NOT MINES AND SHOULD BE DELETED. 
1. XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

2. XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

3. XXXX XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

4. XXXX BANK DELAWARE Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

5. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

6. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. 

I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. 

a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. 

i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. 

XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet Lns is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.
Product: Student loan

I submitted my paperwork two months ago to be re-certified for the REPAYE program. I 'm set to go into repayment in XXXX, and FED LOAN Servicing has still not told me what my new payment will be. When I submitted an inquiry through their website, I was given a template response indicating that my monthly payment would be over {$2000.00}. This almost more than I take home in a month, and I work in public service.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed in my credit report associate

d with fraudulent activity resulting from the Equifax data breach. As a victim of identity theft, I am invoking my rights under 15 U.S. Code 1681c-2 ( a ), which mandates the blocking of any information resulting from identity theft upon my request. Please block and delete the following accounts from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Please find attached any relevant documentation, including my identity theft report, to substantiate this request. I expect that, in accordance with federal law, all accounts and information associated with this identity theft incident will be permanently removed from my credit report. 

Thank you for your attention to this matter. Please confirm in writing once the accounts have been blocked and deleted. If you require further information to process my request, do not hesitate to contact me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collection XXXX XXXX XXXX  Account number XXXX. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report.