23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint about a computer glitch that was TransUnion 's problem - not mine - which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I also contacted TransUnion mulriple times X/XX/17 ,X/X/17, X/XX/17 in good faith to ask them to delete the inquiries that they had illegally re-added but they did not seem to own up to error and brushed me off and these inquiries add a hardship to my life and my rights were violated by TransUnion. I 'm just asking for help to make TransUnion stop victimizing me.
Product: Debt collection

Allied Collections Services of Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX ) called me ( employee # XXXX ) to collect a debt that they claimed was from XXXX in XXXX XXXX. They were unable to confirm what the debt was for. I asked for this information to be sent in writing to my home address. This information was never sent, and yet a month or so later, with no attempt to contact me again, nor any written contact, the debt appeared on my credit report. I filed a dispute with the credit bureau, who removed it from their report. I then confirmed with XXXX and XXXX that the debt was in error. They confirmed that this information had been forwarded on to Allied Collections. Allied Collections denies this and continues to claim that there is a debt owed, despite having no evidence of it beyond the quantity of the debt, and without ever having contacted me in writing, despite ample opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the Consumer Report Views/Soft Inquiries listed on my Experian and XXXX credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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: Mortgage

going on three years now, this mortgage loan servicing scam and predatory lenders have tryed every trick on the book to default us, steal our property and foreclose on us.we have never missed a mortgage payment, we never missed paying our insurance directly to XXXX, and we have always pay our property taxes directly to the county as well. despite all this, they have opened escrow accounts for fictitious tax payment and insurance payments too others and have tryed to increase our mortgage payments by double digits. they have also misplaced our mortgage payments and applyed them in to suspense accounts and not the mortgage account and maliciously reported the payments late month after month in order to build a fictious case of foreclosure and make false claims that we are late and they have sent us thousands of dollars and paid tens of thousands of dollars in property taxes, which is all false and your offices continued beliving these crooks.now they conitnue with there criminal actions, if your office dont do anything to protect us consumers from these predators. what good are you for? and should then we take the matters in to our own hands and justice? we have never missed any payments. and they continue saying that we did.
Product: Mortgage

SLS XXXX 
XXXX XXXX XXXX XXXX XXXX, ( Ph XXXX XXXX XXXX ) ( Ph XXXX XXXX XXXX, Fax XXXX XXXX XXXX XXXX ) LOAN # XXXX LOAN # XXXX Dear SLS, Teller ID # XXXX I HAVE RECEIVED YOUR LETTERS OF XXXX/XXXX/16 AND XXXX/XXXX/16. 
Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with XXXX, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). 
I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of {$340000.00} ( {$270000.00} ), PMI will be cancelled, upon written request or automatically at 78 % ( {$260000.00} ). 
I wrote and taxed a few written request just before and around when 80 % threshold was being met. I called, and called. 78 % came and went by. Nobody could give me clear answers. Once or twice representatives acknowledged seeing the request but subsequently other reps denied any requests being on file. 
Some misguided representative erroneously stated that I was delinquent on my loan. This is a blatant mistruth ans SLANDER of my good name as I have never been late on my payments. They said then that they can not disprove that I was delinquent!! 
Such stalling, delaying tactics, misrepresentation, embellishments! Why? It is undue harassment, causing pain and suffering and wasting of my valuable time whilst my money is still being collected for PMI which should have been stopped once my balance reached {$270.00}, XXXX. 
I was never aware that a new appraisal had to be done. That was not my understanding, unless I wanted to claim higher value of my property to stop PMI earlier. 
In your most recent letter you sneaked a table on the back page stating that LTV must be 80 % or less based on original value. CONDITION MET. 
However, in the next column, " Based on Current Value LTV ratio must be 80 % or less if 5 years or more have elapsed since the origination Date of Mortgage or 75 % or less if 2 or more years, but less than 5 years have elapsed since the Origination Date of the Mortgage. '' THIS PARAGRAPH DOES NOT APPLY TO MY LOAN!! THERE WAS NEVER A NEED FOR APPRAISAL OR BPO. 
Why are all these new conditions being brought up for a straight forward mortgage? Or Did XXXX give me false information or promise? 
I hope this matter can be resolved IMMEDIATELY to prevent me from losing further time and money and lessening my undue pain and suffering from harassment, misrepresentation. 
Thank you. I shall be faxing this letter to you today and send hard copies to you as well as XXXX XXXX and Consumer Financial Protection Bureau. 

XXXX XXXX XXXX/XXXX/16.
Product: Credit reporting 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 an confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( 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 then records of convictions of crimes which any dates the report by more then seven years.

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

I attended XXXX XXXX for the digital arts XXXX XXXX XXXX XXXX XXXX to XXXX. During that time there was misconduct performed by them. Pressure from financial aid officers to sign docs without time to review or understanding what payments I would be facing post graduation and promising Navient ( XXXX XXXX at that time ) would work with me on payments ( forced into forbearance no other options available for XXXX years after graduation ), a promised XXXX hour post grad externship that didn't exist. A career placement program/ department that didn't exist. Teachers without degrees, and courses made up from those teachers life experiences. There's an article about it at the following link : XXXX XXXX XXXXXXXX XXXX XXXX was one of my instructors and is quoted in the article admitting the courses were made up from life experience and the teachers don't have degrees. 

I reached out to XXXX XXXX - Career development and externship organizer at the time ( XX/XX/XXXX ) for ( guaranteed/promised on the website ) career development assistance and she guided me to XXXX. That was the end of my career development. 
XXXX was put on a Federal watchlist for underperformance and it's eligibility for XXXX XXXX XXXX XXXX. Graduation rates at XXXX XXXX. 

The school has permanently closed due to financial issues
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing to express my deep concern over the permanent limitation placed on my PayPal account. I believe this limitation was a mistake, as I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years and have always used my account in accordance with the terms and conditions outlined by PayPal. Therefore, I am at a loss as to why my account has been permanently limited. 

I respectfully request that you re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with a clear explanation of why my account was limited in the first place. 

I would also like to confirm that the email address associated with my PayPal account is XXXX. Please let me know if any further information is required from me to facilitate the review of my account. 

I sincerely hope that you will take my appeal seriously and look into this matter as soon as possible. I value the services that PayPal provides, and I hope to continue using them in the future. 

Thank you for your attention to this matter. 

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

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account numberXXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX  XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXX  # XXXX XXXX bank XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX RXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XX/XX/2022 Almost midnight, I received the notification from the BOA app, and it indicated my account is locked. 
XX/XX/2022 I came to the local BOA nearby and asked the associate for assistance and help. But the system can not respond to related questions on weekends. So, the associate decided to make the call on Monday. 
XX/XX/2022 Associate helped me make a call to clarify the situation happening on my account. But the company responded there is nothing to say. And the associate try to withdraw the money from my bank, but she couldn't. Because it is closed. 
XX/XX/2022 The associate made a call again to the system and ask to withdraw the money. But the status is still under review. No one knows what's going on. 
XX/XX/2022 I came to the same branch of the bank again and wanted to make sure I can withdraw the money. The associate still worked on and the manager try to make a call to the upper supervisor to solve the problem. I still don't have the answer. 
I can prove any transaction that is clear and be done by myself. 


If I can not withdraw the money, I can not pay the rent and tuition, even the food.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CPPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXXXXXX  an agent from XXXX XXXX mistakenly overcharged my Chime account in the amount of {$260.00}. I requested that my account be debited {$130.00}. I immediately caught the error and call the cable company. I spoke with XXXX who told me to get in touch with Chime and dispute the error. I did this and Chime opened a dispute in the amount of {$260.00}, dispute number XXXX. 

On Saturday XX/XX/XXXX I was given a provisional credit of {$130.00}. On XX/XX/XXXX i contact the Chime dispute department requesting to know where the remainder of my money was ; Initially I spoke with XXXX who identified himself as a supervisor, he transferred me to XXXX in the disputes department, who told me the remaining money, of {$130.00} was paid to XXXX. No such payment was made, as verified by XXXX XXXX XXXX XXXX XXXX senior level management. From XXXX, I was transferred to XXXX, also claiming to be a supervisor in client disputes ; again I was told the money was forwarded to XXXX. I was forwarded a bank statement that they insisted had the missing money paid to XXXX. No such payment was made.I was transferred to Eme also stating she was a supervisor, I asked the same questions, she assured me my remaining balance of {$130.00}. Was paid to XXXX. I was then transferred back to XXXX, who could only say the investigation was not not concluded. I am a senior citizen and I need my money to take care of my responsibilities. I need your assistance in getting my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING TO BUY A NEW HOUSE THE BANK LENDER INFORM ME THAT I HAD SOME ACCOUNTS THAT WAS NEGATIVE I KNEW THAT I DID NOT. WHEN I CHECK MY CREDIT REPORT I SEEN THAT ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE THESE ACCOUNTS NEED TO BE CLOSE AND REMOVE ASAP.
Product: Credit reporting

I have mailed and called numerous times to Experian that XXXX XXXX NJ XXXX does not and never has belonged to me. I want this address removed for my credit report! I told them wherever they are getting this information it is incorrect. How can these credit agencies play the rule of XXXX and do what they want! Please help me get this address off my credit report. They are the only credit bureau reporting this incorrect address
Product: Debt collection

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have filed an FTC Report and attached a copy of my XXXX  Drivers License and Social Card to verify my Identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX [ Bank XXXX  ] [ Bank XXXX ], [ Bank XXXX ], [ Bank XXXX ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you have reported a late payment of 30 days on my account.I demand the immediate deletion of this inaccurate late payment from my credit reporting agencies profiles.The fact is that on the date you claimed a late payment was reported on my { Experian, XXXX, XXXX ( choose the CRA that the late payment was furnished to ) }, my account was not late.I will not tolerate the willful and continued reporting of false information on my credit profile which clearly violates the Fair Credit Reporting Act 15 USC 1681 a ( 1 ) ( A ) ( i ) Promptly notify the furnisher of the information that the information is inaccurate, and the furnisher of information shall ( I ) conduct an investigation with respect to the disputed information ; As an enforcement mechanism under 15 USC 1681n ( a ) Civil liability for willful noncompliance ( 1 ) In general Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) ( i ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have the right to sue, and I will seek full compensation for all damages caused by your companies willful noncompliance and failure to correct this inaccurate reporting of my payment history.Delete this inaccurate late payment from my consumer reporting agency profiles immediately.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

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 can not furnish an account without my written instructions https : //portal.consumerfinance.gov/consumer/s/complaint-description? XXXX # XXXX 15 USC 1666B A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose