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

this is my fourth dispute NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated pith initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Credit Reporting Act ). I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If i do not receive a satisfactory response within this timeframe. I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address on file for me. 

Account name : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request regarding fraudulent accounts on my credit report that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX and XXXX is reporting an account with XXXX XXXX on my credit reports. I sent a letter ( see attached document ) to XXXX and XXXX requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. XXXX and XXXX failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.
Product: Mortgage

We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$290.00} XXXX/XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX/XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$4000.00} XXXXL XXXX {$4000.00} XXXX XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX/XXXX   XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I am writing to disputed account and hard inquiries on my credit report that were made without my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize the account and hard inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report. PL DELETE ACCOUNT XXXX XXXX ACOONT NUMBER XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC Report Number : XXXX ) as additional support for this claim. This report reinforces my request for the removal of the account in question from my credit report, as it details the lack of proper validation for this account and the inadequate response from the credit bureau involved. ''
Product: Debt collection

XXXX XXXX XXXX has placed a collection debt on my credit report for what seems to be a home security system for an address I've never lived at nor been to. It is completely fraudulent. I have sent certified letters disputing the collection, as the address is completely foreign to me. Upon recent of my letter, a XXXX representative spoke with me regarding my concerns. The representative stated that the address listed for the home security system was not known or associated with me, ever, nor was it on my credit report. The representative further deceitfully asked me for my address to verify that the account and address on file was not mine. Upon giving the representative my address, she then, unbeknownst to me, updated the account information to reflect MY address and mailed the collection papers to my house. Now the bill has my name and address on it to further their illegal and deceitful attempts to collect a debt for a home system I have never been to, owned, or been associated with.
Product: Debt collection

On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. 

I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. 

After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. 

I do not owe this debt and need this taken care of. This company is unethical and should be shut down. 

I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.
Product: Credit reporting

XXXX inquiries were removed off of my Transunion report last month and have now put them back on without any approval or notification from me, as a result my credit score has dropped.
Product: Mortgage

So started when I began to notice the charges of late fees even though I was already paid ahead, and I was not late on my payments. This brought up the issue that they were improperly/not applying my extra payment to my principal. It also brought up the issue that when I had my insurance rate on my escrow lowered by about half which they did not make the changes, nor did they credit me. Besides that, fact between the stimulus/grants /other government programs I should have another {$10000.00} that has been credited. Which I received notification from the US government and the company that I would be getting these credits. Which I did not get credited to my account. While this was going on I was looking to change to a VA mortgage which I have not been able to because of the XXXX they are doing. I extremely hard time contacting the company. This company is embezzling my money that have put towards my mortgage they said my mortgage was {$100000.00} when it should have been at {$86000.00}. This company began to refuse my payments and then sold off my mortgage to another company. When I did my contract originally which involve a lawyer and court, I had the removal of selling my contract to another company without court order or my approval. This company is now violated the contract and is also committed identity theft. Which these charges are in the process of being filed. This company is also been identified as the company who sold off personal and confidential information to other mortgage companies which now I received numerous calls a day from. I still have the payment that are missing which I have not been able to make because the company refusal to take them.
Product: Credit reporting or other personal consumer reports

Does the Bankruptcy XXXX report information regarding my bankruptcy case to credit reporting agencies? 

The Bankruptcy XXXXourt has no interaction with credit reporting agencies, including Equifax, TransUnion, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit reporting agencies and does not verify the accuracy of information regarding bankruptcy cases held by credit reporting agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/year> Credit Corp Solutions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX UT XXXX. 

Cease and Desist Demand **VIA CERTIFIED MAIL & RETURN RECEIPT REQUESTED** To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately.

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased.

- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809.

**Enclosed** : [ Optional : Include a copy of their initial collection notice if available. ] Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 
We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. 
We're sorry for any problems you may have experienced with the transaction ( s ). 
Transaction information : Dispute Case ID : XXXX Transaction Amount : {$200.00} XXXX Dispute Amount : {$200.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal Pay pal transfer the money from my account to XXXX without my authorization. I did not filed for author payments. XXXX is a fraud company. They did not provide service for me in XXXX at all. I cancelled the account. XXXX provide a poor service for me in XXXX for which I paid {$250.00}. I agree on XX/XX/XXXX and authorized the charge. Due to poor service I cancelled my campaign with them on XX/XX/XXXX and filed 2 cases with Pay Pal. I just got the respond read above. Please, HELP. I am a XXXXl XXXX XXXX and every dime is important for me. I am very upset with pay pal decision. 
XXXX XXXX XXXX. 
The receiver of this payment is Verified http : XXXX XXXX Payment Sent XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so XXXX & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the XXXX did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing 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 XXXX XXXX XXXX any actual damages sustained by the consumer as a result of the failure; and XXXX XXXX XXXX in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Balance : XXXX  Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
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 and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I've got text and emails various be loand places I didn't sign up for. Some say XXXX  denied and etc idenity stolen
Product: Checking or savings account

I requested to have my Citizens Checking account closed. 

I visited Citizens Bank on Tuesday 2024, XX/XX/XXXX located : Citizens Bank ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX The teller I spoke with on Tuesday 2024, XX/XX/XXXX at approx XXXX name was XXXX . 

Upon requesting to have my account closed the teller named XXXX asked I insert my debit card into card reader to process the closing of my account. The card reader prompted me for a pin. 

I expressed to teller named XXXX I do not have a pin, thats why I wanted to close account because of too much difficulty with online banking, and not being able to create a pin. 

The teller named XXXX expressed you must have a pin, and you have no money in the account. 

XXXX stated before I can close account I need to ask you some questions : What brings you to XXXX, MA? 
I find you suspicious and sketchy your license is XXXX, MA that is more than 300 miles away? 

I felt the teller named XXXX was being prejudiced towards me and being discriminatory, so I turned on the camera of my phone. 

The teller named XXXX then threatened to call the Police on me because I had activated the camera on my phone and demanded I show her my phone to see that the filming is off. 

I was horrified by the experience and treatment. I was interrogated and profiled by the Citizens Bank teller named XXXX XXXX according to her business card that I had requested to file this complaint and incident. 

When I opened the account at this location five days ago the Citizens Bank teller named XXXX stated she could not fund the account with any money, nor provide me with a routing number because of technical difficulties. 

With all the technical difficulties and fees associated with account I decided Citizens Bank is simply not for me. 

The Citizens Bank teller named XXXX would not provide me any documentation of closing the account. 

The reason I wanted to open a new account was I now reside in XXXX, Mass. 

I was profiled, threatened and treated badly by the Citizens Bank teller named XXXX. 

If Citizens Bank could not open an account for banking properly in the first place, thats not my fault that is directly the banks issues not the customers. I was treated unfairly and badly. 

The only thing sketchy is the fact I couldnt open an account with Citizens Bank property. Thats why I decided after not being able to process banking properly I decided not to have an account with Citizens Bank. 

I also want to add I was told by the Citizens Bank teller named XXXX whom opened the account that because the account could not be opened properly, the account would close in three days but that didnt happen, I was told I would have to come in. 

I felt assaulted, shameful service. Close the account. The Citizens Bank banking process is sketchy and thats why I requested to have the account closed that was never activated properly with no pin or money.