23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX  On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : SYNCB CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outdated information from the month of XXXX in a previous year lingered on my Experian report
Product: Payday loan, title loan, or personal loan

I received a car title loan from Wilshire Commercial Capital L.L.C . XXXX Wilshire Consumer Credit XX/XX/2021 when I was going through some hard times. I'm not using this as an excuse but I was rushed through the whole process. I started having issues paying for the loan, so I started researching, and my interest rate is very high, 88.77 % annually. Doing research I read in the state of Florida XXXX may be applicable in this case because Florida 's maximum interest rate is 18 % right? Then under Fl Statutes XXXX the Fl title loan act requires a title loan lender to be licensed by the XXXX XXXX XXXX XXXX and Wilshire Commercial Capital LLC has no licenses for Florida their XXXX ID is XXXX. So with the high-interest rate and with the car as their security, it shouldn't be this high. I owe more now than I did when I first got the loan. I have made 12 out of 43 payments of XXXX a month and a couple that was a little more with a total of {$6600.00} paid 31 payments left = {$17000.00} and a payoff of {$9500.00} and the amount I financed was {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) 3rd Notice : Identity Theft.

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Equifax Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 


, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : # XXXX  : Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXX ; # XXXX : Balance : {$750.00} : Opened Date :?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress.
Product: Mortgage

Paid the principle, informed the company that all interest would be paid at the end of the loan. 

Also they do not provide a loan number on this issue, which means they do not control it either. Whatever bank is holding this loan does not have any authority to sell it. It does not belong to them, but to ME. 

I expect this CFPB to take legal action and forward it to the department that does investigations on real estate fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last XXXX of XXXX XXXX XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment. 

XXXX. XXXX XXXX XXXX Open XX/XX/XXXX ( Month Showing Late XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that One Main Financial placed a hard inquiry on my credit report on XX/XX/2021 for a personal loan inquiry which someone tried to fraudulently obtain in my name. I contacted their customer service department as well as their fraud department. I advised them that I am the victim of identity theft and that I did not apply for any loan with their company. They said the loan did not go through for the {$20000.00} that the individual attempted and that they would make sure to note this. The next morning, today XX/XX/2021, I got another alert from XXXX, that there is a second inquiry from One Main Financial on my credit report. I have tried calling their company twice now today and no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue with XXXX  since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX  Account # : XXXX 2. STATE FARM BANK Account # : XXXX
Product: Debt collection

I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies. 

I have attempted since XXXX to get proof from Pinnacle that the debt is mine. 

They will not communicate with me but they keep validating it with the Credit Agencies. 

I have a perfect credit report but this is affecting me and my ability to grow my biz. 

Please help. 
Thank you, XXXX XXXX
Product: Credit card

I have had a Citibank Mastercard account since XX/XX/XXXX. My account has always been current - as a XXXX. My current balance is {$19000.00}. 

I was laid off from my job in XX/XX/XXXX. I contacted Citibank regarding my job status in XX/XX/XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ XXXX monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. Citibank did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XX/XX/XXXX. I am still unemployed and they served me court papers recently informing me that they are suing me for approx. {$23000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?
Product: Checking or savings account

Tried to link account for XXXX and it was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Report and needs to delete immediately : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick of complaint about Equifax 1st problem. I had an old address deleted sometime ago as I have not lived there in 8 years. XXXX XXXX XXXX is not my address and needs to be deleted as it has been at least 5 times and the continue adding it back. None of my creditors add this address. AND NO I DO NOT WANT A UNASKED FOR FRAUD ALERT. I WANT THE ADDRESS DELETED AS I AM AFRAID OF IDENTITY THEFT FROM A FAMILY MEMBER 2nd problem. I am unable to Pull a FiCO Score from XXXX and they are telling me it is a problem with Equifax not reporting correctly. 

3rd problem. They are refusing to add a XXXX XXXX credit card that XXXX and XXXX both report that I am an authorized user on My HUSBANDS CARD. I want this ADDED to My file ASAP. 

Thank you!
Product: Checking or savings account

My grandmother passed away in XXXX, and I was informed by PNC Bank and the estate executor that I am a beneficiary of her IRA account. Since XX/XX/year>, PNC Bank has delayed releasing the funds for over five months. 

Key Issues : 1. PNC Bank repeatedly claims a notarized L8 form is missing, needed by the State of NJ where the account sits. However, I have a copy of the notarized original and the certified mail receipt with PNCs signature confirming delivery in XX/XX/year>. 

2. During a call on XX/XX/year>, PNC confirmed receipt of the L8 form, stated all documentation was in order, and assured me the check was being processed. Despite this, I continue to receive conflicting letters claiming the L8 is missing. 

3. I sent a Final Demand for Payment letter via certified mail on XX/XX/XXXX, giving PNC Bank 10 business days to release the funds. They have not complied. Instead, they sent another letter with a number to call, but multiple attempts to reach this number have resulted in voicemail or mailbox errors. 

I have call logs and certified mail documenting my extensive efforts to resolve this issue.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute addresses, collections and derogatory accounts off my credit. The investigation is way too quick and not all the dates and amounts align with one each credit bureau. Its holding me back from me working on my credit and its not fair.
Product: Debt collection

Eastern Acct. Systems has sent me a letter ( unsigned and undated ) which they said " enclosed, showed their verification of my debt '', that they had in collections for XXXX XXXX XXXX. 
1 ) It shows an address for me at which I have never received mail. A good indication that their customer merely constructed a debt leveled against me and never notified me of same. 
2 ) It has multiple charges for the same item # s. 
3 ) It, in no way, shows any documentation signed by me or indicating I agreed to pay, nor that I had any knowledge of the charges. 
What I have been given as support to their claims only validates my rejection of them. Incorrect addressing, dating that shows three dates of service and only 30 days or less, prior to being turned over for collection. Where is the evidence that they ever sent a notice or invoice notifying me of the claim and opportunity to deny same? 
Nothing Eastern has sent in their XX/XX/XXXX post marked letter substantiates any part of their claims.
Product: Credit card

I have asked continuously for documentation that with a wet signature that I signed for this account. To date I have not received anything and they are reporting that a charged off account on my credit report.
Product: Mortgage

On  XXXX   XXXX ,  2017   XXXX   XXXX  sold my mortgage over to LoanCare, A  XXXX   XXXX . Per instruction, I updated my account information with my bank  XXXX   XXXX  and my mortgage payment was sent by the bank on  XXXX   XXXX  as it always has. ( I updated the account information on my account online in  XXXX , before my  XXXX  payment was sent ). The payment amount is {$750.00}.  <P/> The week of  XXXX   XXXX , I received a statement in the mail from LoanCare and it showed a past due amount on my account and the amount owed forward. At that time, I went online to look into this further on my account on LoanCoare and when the  XXXX  payment did not show as processed, I called in and spoke with an agent. She advised me to send in a copy of my bank statement which was e-mailed to  XXXX  XXXX  XXXX  on  XXXX   XXXX  and I was told this would be resolved based off of the information sent within a few days.  <P/> By  XXXX   XXXX , I had not heard any response so called back into LoanCare and an agent told me that I would get a response by  XXXX   XXXX . I asked to speak with a manager because I wanted this resolved before I had to send my  XXXX  payment which was scheduled to pay on  XXXX   XXXX . I was told that I would be called back within an hour. Abo ut 5 ho urs later, I received a call from team lead  XXXX   XXXX   ( I D :  XXXX   )  who advised me that the information I sent on  XXXX   XXXX  was not sufficient and that I would need to work with my bank on having proof of payment sent over.  XXXX  and I called my bank together and filed a request for information to be sent to LoanCare which would take ~3 business days. In the meantime, the agent at the bank advised me on how to get an image of the processed check and the image was sent to  XXXX  at  XXXX  XXXX  XXXX .  <P/>  XXXX  and I reviewed the check image and realized the bank had misprinted the account number on the check and used my old account number. She said having that information was helpful and she would be able to escalate my concerns and hopefully get me an answer within a day or so. After not hearing back from  XXXX   XXXX  Wednesday,  XXXX   XXXX  I called back into LoanCare and spoke with  XXXX   ( I D :  XXXX   ).   <P/>  XXXX  was unable to provide me any updates as I had just missed EOB for the day ( it was  XXXX   XXXX  ) so she advised me to call back in the next day and gave me her phone number to use which was  XXXX . I called in 3 times on  XXXX   XXXX  and le ft 2 s eperate messages asking for her to call me back with no response. I called back this morni ng (   XXXX   XXXX ,  2017 ) and  left yet another message for  XXXX  with no response. My payment of {$750.00} for  XXXX  has still not processed to my account even though the check was deposited and the money withdrawn from my account.  <P/> I have spent a countless number of hours trying to get to a resolution and the company is not providing me with updates. I need answers about where my money is and what it was not applied to my account.  <P/> I dind't choose this mortgage company, my loan was sold off to them and so far it has been a terrible experience all around.
Product: Credit card

There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.