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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account.

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank 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 with my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has Violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX, XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX acct : # XXXX, XXXX XXXX XXXX acct : # XXXX, XXXX acct : # XXXXXXXX XXXX XXXX  acct : # XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date : XX/XX/2018. 

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

! 5 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Personal information leaked in a data breach Account that are not mines XXXX leaked Bank accounts leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports
Product: Debt collection

Having problems from the first second this company came to us. New problem now : Company did not get transferred loan correctly, which turned into a world of problems. Had to contact CFBP and the XXXX to get an answer out of them. Loan transferred to them without knowing it, and they started sending us foreclosure letters because we were on a forbearance plan with the previous one when it was transferred. ( Even thought we went back to making payments ) An entire year goes by, and they randomly send us a loan modification. The modification did not make any sense, and was wrong. Wrong dates/ wrong amounts etc. We decided to sell our house, and we asked for the payoff ( to get away from this company, this it literally our only choice at this time ). They gave us an amount that is completely wrong. During this time we got a lot of answers for everything and there payoff manager FINALLY explained everything that happened. Once we found out ( finally ) still never actually spoke to someone because no one ever called or email until we had to go to length of contacting them through CFPB and the XXXX. They said they would no longer honor thier initial loan modification and sent us another one we a 3 % higher interest rate. We locked in an interest rate VA at 3.6 and they jacked it up to 6 % and said there wasnt anything they could do, even though they literally sent us one 1.5 months prior to that. We said we would not sign that because we should not have to pay 6 % interest rate, and everything that happened was because they had thier data incorrect and did transfer the loan correctly. There payoff manager has been the only one to communicate any of this with us, and no one else has tried to contact us. They once again just messed up our credit, by saying we were late, when we in fact are not late at all, and have making payments. If anything, we owe them the three months, but each time we get a document from them, it says a different amount of debt. It XXXXnow says we owe them XXXX yet, our mortgage is only XXXX a month. 

They need to fix our credit, and interest rate, and we are paying off the loan. I have no idea how a company of this size is allowed to do business anymore. They have messed up so many peoples credit and lives, and cant even call a consumer. 

They need to fix this immediately. Especially our credit. 

Please note I have attached the response of the " Vice President '' saying we failed to return the loan modifications. We did not even know what the modifications were and they were not correct. They did not explain anything to us, and when it was finally changed they changed the interest rate to 6 %. This is unacceptable and unethical business practices.
Product: Debt collection

There is a debt collection account that was opened under me by the company name of " CBE. '' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. While this account was removed from other credit bureaus it is still showing and updating on yours.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XX/XX/year> Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA.

Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law.

If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General.

This letter serves as official notice under federal law. Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Product: Credit card or prepaid card

To Whom It May Concern, I am writing this email to complain a misleading and discriminatory business practice by Capital One.I am in the process of getting a new credit card from Capital One ( https : //applynow.capitalone.com/? XXXX & XXXX ). 

At the first part of the card application, customers like me are required to indicate their citizenship status. To fill out my 2nd citizenship, XXXX ( where I originally came from ) is erroneously labelled as " XXXX, XXXX of XXXX. '' XXXX is neither a part of XXXX nor a province of XXXX. This is against U.S. policy about XXXX 's status. Capital One is violating the U.S. laws ; at the same time, forcing its customers to violate the laws. 

Because it is a pull-down menu, I will be forced to fill out erroneous information about citizens. I am coerced and under virtual duress to provide and confirm this erroneous information about my dual citizenship if I want to get a card from Capital One after completing the application. By doing this, Capital One is also discriminatory against customers from XXXX. XXXX applicants are forced to accept ( and under perjury with legal consequences ) if they select " XXXX, XXXX of XXXX. '' The information is also not true, thus they commit perjury as a result. This type of discriminatory business practice is equivalent to forcing XXXX citizens to select " XXXX '', XXXX applicants to select " XXXX '' or " XXXX '' in the same applications. 

I am writing this email to complain this illegal and discriminatory business practices that Capital One has done and request immediate changes to put XXXX as " XXXX '' only. 

Thanks for your consideration. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

This is their email to me : You have a pending bill due for payment. 

Loan Company : Check n Go Account Number : XXXX Due Amount : {$1300.00} XXXX, XXXX are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by XX/XX/XXXX, Regrettably, we are forced to send our collection team at your billing address, due to your failure to pay the {$1300.00}. 

On XX/XX/XXXX, legal representatives of our company along with the collection team will arrive at your home at XXXX A.M. in regards to the unpaid loan account. 

We had hoped to avoid this extreme action by offering you flexible credit options to lessen the difficulty you face making payments. However, your unwillingness to cooperate with our billing department has left us no choice. 

If you wish to avoid this situation then kindly get back to us to discuss one time settlement or payment arrangement as per your convenience. 

If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit payment for {$1300.00} or contact us to discuss reasonable arrangements to do so. 


Warm Regards, XXXX XXXX XXXX Department Check n Go Copyright XXXX Check 'n Go | Privacy | Terms of use
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  collection and credit inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX dated XXXX XXXX and XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX, are the result of identity theft, and They are not belonging to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute for an account, XXXX XXXX XXXX XXXX  and it came back verified, I will need debt validation also I filed a dispute on XXXX XXXX XXXX - XXXX was also verified I will need debt validation also for his account. 

15 USC 1692 G Send me a detailed listed of history of payments, that Ive made on this account, I want to see the signature that I signed guarantee I would pay this creditor. Have there been any insurance claimed filed on this debt. I want proof you have the chain of title to collect on this debt.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> 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: Student loan

I tried to work with the company in XXXX, and they would not help me with the loan and told me I did not qualify for any programs. I told them that my hours had been cut at work and that I was late with payments and unable to make them. But there were still no options available to me. I have filed previous complaints about them not offering any assistance. 

I am not over 90 days or later and then am contacting and harassing my family at work and leaving several messages, which is inappropriate. I have asked them to contact me by email or letter and not to call or harass my family members at their jobs for my debt. This is predatory and terrible. I would like them to stop. I have never had anyone else attempt to do that when collecting a debt. I think contacting a person 's family members at their jobs is illegal. 

I have no way to make the payments, and I am currently trying to work with a settlement company to help deal with the situation, but navient will not work with me on the debt. But I would like them to leave my family alone and stop calling and leaving messages throughout the day. It is harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

InQuire that I didnt know about and collections thats not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed.

The Supervisor from Special handling told me he did not have to remove the account as it was verified from the creditor, I was also sent an updated credit report with the account still reporting violating my consumer rights pursuant to 15 USC Chapter 41 as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy reporting on my XXXX, XXXX, Experian and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.
Product: Mortgage

Ditech, formally known as Green Tree, has erroneously collected payments from us on behalf of XXXX XXXX XXXX XXXX XXXX XXXX as Trustee, although they do not possess an endorsed note transferring it from our original lender. They have further violated our consumer rights by collecting service fees as a requirement to make our payments online or by phone. They have deceived us into writing the investors name on the note after they put an endorsement stamp on it with the name of our lender and told us it was necessary to process a Deed in Lieu of Foreclosure, which they were offering to us as opposed to processing a short-sale. After we wrote the investors name on the note under the stamp they put on it, they told us we had to pay the note up-to-date before they do anything else. Ditech has ruined our credit and caused us great hardship financially and physically by continually transferring our short-sale request to different loss mitigation agents and not addressing our request for a short sale and repeatedly requiring us to bring the loan current in order for them to consider our short-sale application. This caused us the loss of XXXX buyers and eventually resulted in foreclosure of our property and additional prosecution in court for the home equity loan they were collecting for, even though our note provides only for arbitration outside of court by either party and does not allow for court action. We are joining together in our complaint and we are asking for separate monetary relief and a refund of all amounts erroneously collected. The full length complaint is attached along with exhibits.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access and disclosure of my financial records. I believe my FERPA rights were violated by an entity affiliated with XXXX XXXX or a corporation associated with his name. Specifically, on XX/XX/year>, my financial records were accessed and/or disclosed without my consent. 

This disclosure was neither authorized by me nor permitted under FERPAs exceptions. The unauthorized access to my sensitive financial information is a serious violation of my privacy, and I am deeply concerned about the implications of this breach. 

I respectfully request a formal investigation into this matter to determine how this violation occurred and what corrective measures will be implemented to prevent future incidents. Additionally, I would like to be informed of any available remedies under FERPA to address this breach of my rights. 

Please let me know if any further information is needed. I appreciate your immediate attention to this matter and look forward to your response.