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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re Acct # : XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack 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 you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Debt collection

The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.
Product: Credit reporting or other personal consumer reports

Experian is reporting Old out of date Addresses on my consumer report. Experian is Reporting 7+ Years old closed out dated accounts on my consumer report. Experian is Reporting inaccurate name Alias on my consumer Report. Experian is Reporting Incorrect Employer on my consumer report. 

Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/year> Names : XXXX, XXXX Employer Reported XXXX XXXX According to 15 U.S. Code 1681e ( b ) You are suppose to assure maximum possible accuracy, This account is not accurate according to the Fair Credit Reporting Act, therefore the Following Consumer reporting agency should Delete account immediately for violating 15 U.S. Code 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX account but yet it is still showing an outstanding balance of {$9000.00} when a settled account should have the balance updated to XXXX and reported as paid settled for less than full balance this information is being reported incorrectly on my credit profile and should be updated I have reached out to the XXXX burearus the XXXX XXXX XXXX account is on being XXXX  and equifax and have not heard about the dispute i have also reached out to XXXXXXXX who is refusing to get issue correct in a reasonable time matter
Product: Debt collection

I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present.
Product: Payday loan, title loan, personal loan, or advance loan

I got a flex loan nearly 4 years ago at cash express in XXXX, tn. I also got the cash express debit card. They also had a problem when I came in to withdraw my money from my direct deposit account, but never had a an issue taking automatic ach payments for my loan, sometimes twice a month. I got tired of and took my business elsewhere. They did not communicate at all and went straight to filing a lawsuit after almost 4 years. I am aware of the lawsuit they went through with CFPB. I am also aware that they were barred from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have beeen disputing the correction of the account XXXX XXXX XXXX XXXX with a Balance of {$1700.00} and Date opened XX/XX/XXXX for a long time now and the most recent letter I sent to the Credit Bureaus was XX/XX/XXXX. This account is reporting as late only in Experian Credit Bureau! Experian is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in Exrperian. If their record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you.
Product: Mortgage

I have an adjustable Rate Mortgage with Nationstar Mortgage , Inc. ( Loan # XXXX ) that will be changing in XX/XX/2017. I received a letter from Nationstar Mortgage, INC. telling me that my new rate would be 4.125 percent. Per our contract, 4 ( C ). Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO & ONE-QUARTER percentage points ( 2.25 ) to the Current index. the Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point ( 0.125 ). Subject to the limits stated in section 4 ( D ) below, this rounded amount will be my new interest rate until the next Change Date. I was told by three different customer reps that the Current Index that Nationstar used was 1.80. If my math is correct than 2.25 + 1.80 = 4.05. If 4.05 - 4.00 = .05 and 4.125 - 4.05 = .075, than 4.00 percent would have to be my new interest rate. I received a call from XXXX in there Research Department. I have called her back twice and emailed her and have received no response. This is a simple equation that a small child could figure out and they are just stalling. I 've never had a problem with them before when it came to a change.
Product: Debt collection

Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the XXXX XXXX XXXX XXXXXXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX  : XXXX ''. In which, I had not received any medical services at any of the XXXX XXXX XXXX XXXXXXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the XXXXXXXX XXXX XXXX. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.
Product: Checking or savings account

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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

The XXXX XXXX hospital shared my personal information with Penn credit corp.which violates the XXXX laws and I plan to have this case further investigated
Product: Credit reporting or other personal consumer reports

Request to Correct and Delete Personal Information Dear who it may concern, I am writing to inform you that I believe my personal data may have been compromised or leaked. As a result, I request that you update and correct the personal information on file with your bureau.

Here is the correct information that should be on record : Full Name : XXXX XXXX Cell Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Employer : XXXX XXXX Furthermore, I request that all other personal information that is not listed above be deleted from your records to protect my privacy. 

Please confirm receipt of this email and provide me with a status update on the actions taken regarding my request. I understand that you may need to verify my identity, so please let me know if you require any further information or documentation from me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting 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 ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and to my surprise, i found XXXX, TransUnion and XXXX reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank Routing # XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX  account number : XXXX Other parties involved -- - XXXX XXXX XXXX , XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 IQ DATA INTERNATIONAL IN added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, 10 IQ DATA INTERNATIONAL IN has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Chexsystem. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
Product: Student loan

Hello, I currently have a XXXX  student loan with Navient. On XX/XX/XXXX, I filed to consolidate this loan for the XXXX XXXX XXXX. The US Department of Education service provider is XXXX. I contacted them to find out the status of the consolidation and was told that my loan is a spousal loan. My husband and son has the same names. I took out a XXXX XXXX XXXX for my son and when Navient took over the loan, they classified the loan as a XXXX XXXX  They continue to tell me that my husband took out the loan and I took the school loan out for my son. My husband was a co-signer for the loan. I have spent many hours trying to get them to send the correct loan verification to XXXX  for consolidation. Because they have the loan classified as XXXX, this would my loan not eligible. The representation with Navient informed me that their system has it marked as a XXXXXXXX XXXX  and she was unsure why it was marked as spousal. I have asked them to correct it as they too see that it was a loan for my son. My husband was not in school and had no reason to take out a loan for him. 
Bottle line they said because I am the primary signer and my husband co-signed for the loan that would make it a XXXX  lXXXX 
I just need Navient to correct the type of loan so that I can have it consolidated to be eligible for PSLF. I submitted for consolidation before XX/XX/XXXX. XXXX told me they wasn't clear why Navient has this as a XXXXXXXX XXXX. 
When contacting them, after about one hour in a half of questioning them about this matter, they hang the phone up on me. This especially happens when asking to speak to a supervisor. I have documented all my calls and have names of persons I have spoken with. 
Please help me with this matter. I had other same Parent Plus loans in which I consolidated in XX/XX/XXXX which were forgiven and now Navient is holding me up for this last loan. 
Amount of loan {$34000.00} Thanks in advance for your support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - open XXXX XXXX - closed/chargeoff XXXX/XXXX  - open XXXX XXXX - Status - paid /closed Westlake Portfolio XXXX - open In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit card

Three credit card inquiries/applications were filed, that I did not apply for. : JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

This company continues to violate my consumer rights and report to the CFPB like they are following the right directions. Which they this company constanly harras me with phone calls report negative information on my credit file which they bought a debt claiming that i owe them.
Product: Mortgage

Loan # XXXX After suffering a job loss and a reduction in salary, my wife and I filed for a forbearance from XX/XX/XXXX to XXXX of 2020 ( due to Covid ). In XXXX we started making trial payments in a modification program. I was told there would be XXXX  monthly payments, then the modification processed. We made those XXXX payment in full, and on time. after a series of delays, with no reason, we got paperwork in XXXX. We waited for months. Continued to make payments as directed. In XXXX, due to a 'mistake ' we were told it was denied and had to start over. After a series of escalations it was 'prioritized '. In XXXX, a year later, they finally processed the modification. However they immediately reported me as being a month behind, and reported me to the credit agencies, dropping my score over a 150 points. After more escalations, they confirmed they had misapplied a payment, and 'fixed ' this. They claimed they would fix this with the credit agencies. Weeks later, my credit is still XXXX points lower, and they continue to 'confirm ' when I dispute the data with the credit agencies, despite me making every payment. 

I have escalated numerous times to SunTrust executives and the CFPB. This got me a contact with a 'client resolution specialist, XXXX XXXX ' who no longer returns my phone calls or emails. I just want them to report on my credit accurately, or remove entirely if they can't fix it. This is costing me thousands in increased interest and other financers increasing my interest or reducing credit based on SunTrust 's errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, Account # 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 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: Debt collection

My wallet was stolen with five secured credit cards in it and unauthorized purchases were made on my cards totaling around {$650.00}. And a collection company that I didn't sign a contract with XXXX  has no legal authority to collect any debt from me and I am requesting for the false charges be removed from off of my credit report on all three bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.