23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following furnishing persons have violated my consumer rights, JEFFERSON CAPITAL SYST XXXX # XXXX, under the flowing : 17, cfr 248.124 reasonable opportunity to opt-out, Title 13 proof of a contract agreement 15 usc 6802 -05, 5 usc 552a Privacy act of 1974, 15 usc 1681 { b } SSA Consent Permissible purposes of consumer reports 18 usc 1029 knowingly participating in unauthorized access to a credit devices 15 usc 1644 fraudulent use of credit cards. By advertising unauthorized accounts on my XXXX, XXXX, and XXXX consumer reports preventing me from being able to receive a fair and equitable reporting. These furnishing actions undermine the credit reporting agencies responsibilities to insure that my credit reports are reporting accurate accounting information. The action of these furnisher has shown to be harassing and caused me and my family duress and lost opportunities on investments. They have ignored all my attempts to clear-up this matter. So I'm seeking the support of the CFPB to help rectify these fraudulent account from all of my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to an inquiry in early XXXX from this company that I did not authorize. I never received a response.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 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: Money transfer, virtual currency, or money service

In regards of recent CFPB lawsuit and despite using Zelle numerous times and reporting discrepancies with the program, Zelle and my financial institution failed to properly investigate some of my claims adequately. I was informed that recovering lost funds was impossible and that tracking of these funds was unfeasible. Users such as myself have been left vulnerable to scams and major losses of funds.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT BEEN USE WITHOUT MY PERMISSION AS A OPEN ACCOUNT AND HAVE SEND LETTERS TO FIX THE PROBLEM AS WELL.DID THE I.D AND SELFIE PICTURE OVER THE PHONE PLUS CREDIT SCORE DROP FOR NO REASON AS I NOT USING IT AT ALL AT THE TIME PLEASE FIX YOUR COMPANY PROBLEM BY LAW AND CODES THAT THE COMPANY HAVE TO GO BY.THE I.D IS WITH THE LETTER AS WELL..

THANK YOU BUT HERE IS ANOTHER INQUIRY REMOVAL LETTER l XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specically as it related to credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this XXXX goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of XXXX a complaint with the Consumer Financial Protection Bureau and the Attorney Generals Office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company, seeking {$1000.00} per violation 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX P.S . Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To : Consumer Financial Protection Bureau RE DISPUTED CHARGES AND INTERFERENCE WITH ABILITY TO PAY HOMEOWNERS HAZARD INSURANCE. 

The attached letter and record files are submitted to CFPB for enforcement and to assist us in recovering unauthorized charges made by Specialized Loan Servicing , LLC which we believe is related, in some way to XXXX XXXXXXXX XXXX  XXXX. as an alter ego. 
In early XXXX we finalized a XXXX-year XXXX  XXXX bankruptcy payment program. At the time, loan servicer Specialized Loan Servicing , LLC confirmed to the Bankruptcy Court that there were no outstanding debts owed. Our XXXX XXXXXXXX program was successfully completed by XXXX, XXXX. 
On or about XX/XX/XXXX Specialized Loan Servicing, LLC contacted our insurance carrier and directed them to disallow us to make insurance payments directly. There is no escrow and Specialized Loan Servicing, LLC ( SLS ) already knows ( and previous CFPB complaint confirms ) that we dispute SLS 's claimed debt. SLS did not make any insurance payment. On XX/XX/XXXX we corrected this ploy by SLS to set us up for unauthorized charges with our insurance carrier. We made a monthly premium payment ourselves which we have been continuously doing since XXXX, XXXX when SLS took over loan servicing from alter ego XXXX XXXXXXXX XXXX XXXX 
Meanwhile, Specialized Loan Servicing, LLC charged our mortgage account periodic unauthorized fees now totaling {$69000.00} in year to date Fees/Charges/Optional Product.

We seek guidance and assistance from CFPB in stopping the loan servicer abuses made by SLS. We can provide any additional evidence requested beyond the attached correspondence made to SLS. We have extensive and valid legal evidence of all of our payments to SLS. In addition, we have numerous monthly billing statements and our Qualified Written Requests to SLS ( and alter ego XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) ) which show the extent of their Fantasy Financials. SLS ( XXXX ) has continued their attempts to defraud us via bogus, unspecified, unauthorized charges and fees placed against our residential mortgage. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX. XXXX XXXX - XXXX. XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I've asked XXXX to remove & verify with the original source of a bankruptcy being reported on my credit report that was not verified by the original source, which is the XXXX XXXX bankruptcy courts and also to send me proof that they verified this information through the original reporting source and they have not done that to this very day and I've also Submitted complaints and letters for the past four months since XX/XX/year> and to this very date and I have proof of letters that I have submitted to them and got unfavorable response back from them in regards to removing a bankruptcy off of my credit report that's unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to convince Transunion that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that Transunion also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by Transunion. I also have similar experience with XXXX  but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as Transunion. They seem to have similar work code.
Product: Debt collection

On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested the original purchase agreement showing their ownership of this alleged debt. 

I requested a Debt Validation Letter but never got it. Date requested XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last week and noticed that the following items are still on my consumer report. I have attached my I.D . and social security card for proof of my identity as well as my FTC report. According to 15 U.S. Code 1681c-2 you have four days to delete this information. I'm demanding that the following items be deleted from my consumer report because I did not give you permission or authority to put it on my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX US Department of EDU. I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 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. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.
Product: Checking or savings account

XX/XX/23 I made a deposit into my checking account for XXXX XXXX. In which I was able to receive. The issue is there holding a deposit on a check from a major insurance provider drawn from one of the largest financial institutions in the country. I requested the funds be released because I also have direct deposit from the US Treasury every month due to my XXXX. I told them I was homeless and needed the money to obtain housing. I was told I would have access to the funds within 24 business hours. The time has come and gone while I'm on the streets cold hungry and my life at risk.
Product: Checking or savings account

I have had a horrendous experience with Ally. On XX/XX/2022 around XXXX XXXX, I tried to log in to the mobile app. First I entered my account credentials then I reached a screen that indicated that I was logging in from a device that was " unfamiliar '' to Ally 's app ( which was not the case, I had logged in to this device several times before this date but receiving this 'error ' message was likely some sort of internal error ). 

So I attempt to use their text relay system to receive a security code to enter to their app ( XXXX ). I don't receive any code so I 'optin ' to their text relay system ( phone number XXXX ) in the off chance that I had previously opted out for some reason. I get an answer from their text relay system that " my input was not understood '' when I'm very sure that I inserted all of the required information correctly. I leave this alone for a few hours and try again later. Now their text relay system is running again because I do receive a code when I request one because I still got the " unfamiliar device '' screen. But before I can insert the security code I am locked out of my account and now have to call customer service to get my account unlocked. I try, via the mobile app, to reset my password. I get to a screen where I am told to enter my username and social security number. I insert these two pieces of data but the app just sends me back to the login screen with no messages or anything to indicate my message was positively or negatively received. 

When I call the customer service line at around XXXX XXXX ( because I'm out of options at this point ), I am greeted with a message that says my wait time is estimated to be " less than 35 minutes ''. All of this for an issue that could have been avoided at several points before now ( getting some sort of message that the text relay system wasn't working, the 'reset password ' link in the mobile app functioning )
Product: Student loan

Due to the regulations regarding the restart of student loan payments and the new SAVE plan, my IDR recertification was not due until XX/XX/XXXX. However, because the XXXX website had not been updated, it reflected a past due recertification date, and I was unaware the covid pause extended deadlines, so I recertified through there. Upon logging into edfinancial 's page, however, I found that I had not been required to recertify for another 14 months. I requested that edfinancial deny my application and NOT use my recertification in calculating my IDR payment. On XX/XX/XXXX I received a payment schedule from edfinancial showing {$0.00} payments for 15 months. Today, XX/XX/XXXX, my account shows that my recertification was accepted despite my request. As such, my payment has now gone up significantly. Due to the discrepancy in dates between the pages, I was misinformed and I want the same benefit of an extended recertification requirement as everyone else.
Product: Debt collection

We placed an order with XXXX XXXX XXXX  XXXX XXXX on XXXX for {$48.00}, my wife paid via XXXX . After we received the product we were contacted by the company asking for payment. We sent them the proof of payment from XXXX. Today we received a statement from a debit collector ( State Collection Service Inc ) stating that the account was now in collections. I gave the collections comany the XXXX proof of payment and was told that they would look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX
Product: Debt collection

Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53.
Product: Credit reporting or other personal consumer reports

I noticed a debt collector XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX reported on my credit report on XX/XX/2023. I have no knowledge of this account. Someone has gained access to my social security number without my written consent to apply for anything in my name. Furthermore this debt collector XXXX XXXX XXXX has no license to collect any debt in the state of Georgia. Can you remove this collection off of my report or I will have to purse legal matters. 

15 U.S. Code 1681c2 - States to Block any information resulting from identity theft. 

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.