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

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I sent Penn Credit the exact letter below. I provided them with the correct information and my address was included. They have yet to reply and it is the XX/XX/XXXX. I believe this falls within the 30 days and debt should be removed. I also provided them with a copy of my credit report show the debt was still being reported despite my request to stop reporting it. I also verified that my letter was received by Penn Credit over a month ago. 

Account info XXXX Collections date XX/XX/XXXX Balance {$1900.00} Original {$2100.00} Penn Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. During the reported date opened I was overseas and without any services in the United States. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Product: Money transfer, virtual currency, or money service

Blockfi is the company it's located in USA it stores XXXX currency.I had over XXXX $ of XXXX XXXX or XXXX XXXX  total not able to withdraw.Says they have suspended all withdraws and account activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) ] Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) } you reported transactions from account XXXX to my consumer report. The XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! XXXX The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Deleted from my consumer reports effective immediately. Please refrain from suggesting validation or verification of this information, as my request is solely for the correction of inaccuracies and compliance with federal regulations. 
Sincerely, XXXX XXXX
Product: Mortgage

My mortgage loan was transferred from XXXX to Flagstar Bank , FSB, XXXX XXXX XXXX, XXXX, MI XXXX. I set up on-line access and I can see my information as well as information for another individual 's account. I assume that since their private information is intermixed with my own, that my information is also compromised. I spoke to customer service on XX/XX/XXXX, who stated that they could not see the information that I could. They transferred me to a supervisor who never answered.
Product: Debt collection

XXXX XXXX XXXX XXXX allowed someone to add me as an authorized user on their credit and I reported it and removed it and soon after they opened credit in my name and I let XXXX  XXXX XXXX  know it wasnt me and they still put it on my credit after they said it would be sent to their fraud department, I was never called!
Product: Debt collection

After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX 'S WHOLESALE LENDER and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or XXXX XXXX XXXX XXXX XXXX XXXX as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and XXXX XXXX to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. XXXX XXXX is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, XXXX XXXX stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE SENT INFORMATION REQUESTING PROOF OF SIGNATURE OF SAID LOAN AND PROOF OF ACKNOWLEDGEMENT OF DEBT OWED VIA CERTIFIED RECIEPT VIA CERTIFIED MAIL INWHICH NEITHER WAS EVER GIVEN NOR RECEIVED FOR ACCOUNT NAMED XXXX # XXXX BANK NAME XXXX
Product: Checking or savings account

I paid my vehicle in full on XX/XX/2021. Prior to paying my car off, I had made a payment arrangement to make payments on XX/XX/2021 and XX/XX/2021. They started charging late fees and sending several notices about my need to pay off balance. I was shocked that they being so aggressive about 2 deferred payments that extended my loan date being XX/XX/2021. I borrowed money from my sister and paid my balance in full on XX/XX/2021. I contacted customer service twice as having assurance no money to be charged as I paid vehicle in full. The second time I contacted them was about a letter to take money out of my account. I called customer service to ask about the letter stating my car was paid off. They said yes my car was paid in full. On XX/XX/2021 Chase auto took {$350.00} from my bank account Today is XX/XX/2021 and and I have yet to receive my money. I am on social security. Their actions caused me over draft charges and I had to borrow {$350.00} dollars from my sister in order to bring my bank balance back to pay the funds Chase bank took from me. I do not believe their poor business practices are ethical. I paid my balance on me loan on XX/XX/2021 on XX/XX/2021 they took my money. I do not believe that should have ever happened. I feel they should have immediately reimbursed my money and as of XX/XX/2021 I have yet to received my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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
Product: Credit reporting

XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX, paid {$230.00} to XXXX XXXX through RIA from XXXX XXXX XXXX Direct deposit to his account ( Image RIA1 ) XXXX XX/XX/XXXX kept receiving a text message " Money is ready for pick-up. '' I called RIA to ask why the money was for pick-up since it was a direct deposit. ( Image RIA2 ) XXXX RIA explained that the transaction did not go through because I made the transaction from XXXX XXXX 
XXXX Wrong information through text all the time mentioning Money is ready for pick-up. All confusing. 
XXXX Canceled the transaction since my recipient did not receive his payment for 15 days. 
XXXX RIA process to refund the {$230.00} XXXX XX/XX/XXXX I paid XXXX XXXX XXXX XXXX {$230.00} ( Image RIA7 ) XXXX XX/XX/XXXX received an email from RIA saying that XXXX transaction was incorrectly refunded. ( Image RIA8 ) XXXX XX/XX/XXXX, I talked to them over the phone, saying I have to pay the {$230.00} back. I refused because I could not reach XXXX XXXX and I already paid him because of the transaction cancelation. ( Image RIAXXXX ) XXXX Ria emailed me saying they need my back authorization to withdraw the money from my bank account. They have access. I worked with them for more than 10 years. I denied the access ( Image RIAXXXX ) XXXX XX/XX/XXXX, they took the money from my account without my authorization. 
XXXX XX/XX/XXXX, I realized the unauthorized transaction and sent them an email. ( Image RIAXXXX )
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Ally. Transferred XXXX from acct open. On XX/XX/XXXX I deposit a XXXX check from my XXXX k. Receive a email XXXX will be available XX/XX/XXXX remainder on XX/XX/XXXX. I make several payments. I then set up a XXXX transfer back to same account I originally placed XXXX dollars in. Payments post no problem. Monday I go into my account it wont let me in. I then get a email from XXXX that payment has been returned. Have made XXXX separate calls for them to tell me my account is under investigation that the XXXX dollar transfer was blocked on a frozen account. Called my other bank who said it was not true. Sent them requested documents pictures showing debits coming out of that account. Went over everything I did in the account for them to tell me not to raise my voice and they have up to 30 days to Investigate told me my XXXX check was cleared but the XXXX transfer has caused the investigation and I just need to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the inclusion of inaccurate and unauthorized information in my credit report. Specifically, I am concerned about the addition of temporary employment and incorrect addresses without my permission. 

The inclusion of temporary employment on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 607 ( a ) ( 3 ) ( B ), which requires that credit reporting agencies ensure that the information they include in credit reports is accurate and up-to-date. The addition of temporary employment has no bearing on my creditworthiness and is irrelevant to my creditworthiness evaluation. 

Additionally, the inclusion of incorrect addresses is a violation of the FCRA under Section 607 ( b ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the information they report is accurate. The inclusion of incorrect addresses can negatively impact my credit score and can potentially lead to identity theft. 

I demand that the credit bureau remove all inaccurate and unauthorized information from my credit report immediately. Furthermore, I demand that you provide me with an updated credit report after the change is made. 

I expect a prompt response from you in accordance with the FCRA. If I do not receive a satisfactory response from you within 30 days, I will pursue all legal remedies available to me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/20, my Bank of America credit card was denied at XXXX, XXXX XXXX CA. I called credit card customer service and was told my credit card was denied due to over draft. They said I had nearly {$7500.00} outstanding balance which included an amount I never used. They did some research and found that someone ( a suspect ) used my full name, my SSN # and other personal information and opened online Bank of America bank checking account. The suspect initiated XXXX XXXX from my Bank of America credit card in the amount of {$3800.00} on XX/XX/20 and transferred from bank account the suspect created. I reported incident on the day I found the identity theft. 
One of the identity theft victims rights is to submit Identity Theft Victims Fraudulent Account Information Request to bank to get information about Account Information. I send the request to Bank of America in writing. Bank of America refuses to provide those information I requested protected by 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), California Financial Code 4002 and 22470, Civil Code 1748.95 and Penal Code 530.8. 
I am filing a complaint for the refusal of Bank of America to provide the Account Information.
Product: Mortgage

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. 
Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo send me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage. I have received a new letter stating they are willing to work on another modification at the same time they are working on foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I recently received my credit report from XXXX and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you XXXX XXXX XXXX reporting ( income ) on my canceled debt of XXXX XXXX XXXX XXXX XXXX XXXX this amount is absolutely not accurate please explain
Product: Student loan

When I had completed XXXX studies at XXXX in 2005, my student loans under XXXX XXXX  were I believe approx. {$20000.00}. I was eligible for Public Forgiveness Loan Program due to my employment in XXXX XXXX. I also deferred my payments while I entered XXXX XXXX at XXXX for an XXXX degree, to which I continued employment in XXXX XXXX field and confirmed continued eligibility for Public Forgiveness Loan Program. Eventually my loans were trasnfferd without my consent from XXXX XXXX to Naveint. Upon transfer, I confirmed my status of Public  Forgiveness Loan. However, multiple times since Navient has denied payment options ( fixed  versus income ). Navient has consistently quoted me of under {$700.00} per month!!!! Which is outlandish and unforgiveable. I have remained in XXXX XXXX and was confirmed at time of Navient 's transfer that I was still under public forgiveness Loan. I have had to have continuous deferments since I can not afford this, and I believe that this is fraudulent. That payment is APPROX HALF OF MY 30 YEAR MORTGAGE! navient can not justify how XXXX XXXX  month adheres to the stipulaitons of the public forgiveness loan program. I have refused to initiate contact recently due to lack of resolution and was so grateful when I finally heard about the lawsuits being filed against Navient for this exact reason. I have no trust in their services or word. And my credit has been negatively impacted along accured interest. to be resolved, I want my case to ( 1 ) be a part of the lawsuits against Navient, ( 2 ) repair credit score, ( 3 ) delete all accued interests based on their monthly quotes, ( 4 ) and an apology from Navient. this has been so overwhelming. I have dedicated my personal life and professional career to serve patients who are disadvantaged and to help protect them from the abuses and injustices of the system. And here I am, like many others, in the same ironic battle. Please help me. I am desperate for guidance
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry
Product: Mortgage

We are currently refinancing with another company and need a pay off from our current mortgage company called Freedom Mortgage ( phone # XXXX ). They keep lying to us for the date of pay off delivery and we can loose our rate and refinance, where we are saving {$250.00} per month. Our closing attorney requested it on XX/XX/20 and we have proof it went through- now they say they can not find it. Then we directly made a request on Friday as borrowers and they promised 3 days turn around, this morning they say it will be another 2 days or more. they are not ready to serve their clients in the case of disaster, though we hAVE NO idea how that effects them as the calculation is done by a computer. As far as we know they are the only ones that people are having problems with. They also tried to force us into refinancing while giving us 0.625 % higher on the rate we would be getting currently. Please help us!!!! XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account # XXXX on my credit report. This account has been placed into collections without my consent, which is a clear breach of my privacy. Additionally, the reporting across the XXXX major credit bureaus is inconsistent and contains inaccuracies : XXXX : Last active date is listed as XXXX. 
XXXX : Last active date is listed as XXXX. 
TransUnion : Last active date is listed as XXXX. 

Despite these dates, the account shows no late payment status on any of my files, yet it has been incorrectly sent to collections. This situation is not only confusing but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate information on consumers. The discrepancies in the reporting dates and the fact that the account was sent to collections without any late payments constitute violations of this statute. Additionally, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. These inconsistencies violate this provision. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account into collections without my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Furthermore, the unauthorized collection status violates 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect any debt.

Request for Immediate Action : Given these violations, I am requesting the immediate removal of the XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I ask that you provide me with an updated copy of my credit report that reflects these corrections.