23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by Lloyd & Mcdaniel. 

On [ date ], I received correspondence from [ Name of Company ] regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to Lloyd & Mcdaniel on XXXXXXXX XXXX XXXX, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

In my letter, I requested the following : 1. Detailed account information : The original creditors name, address, and account number associated with the debt. 
2. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature.

3. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. 
4. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership.

5. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account.

Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me.

FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated.

Failure to comply with these statutes constitutes a violation of my consumer rights. 

I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated.

The company ceases any further collection attempts unless they comply with federal law.

Any necessary corrective action is taken to prevent such occurrences in the future.

I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, Caine Weiner Compa Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX delete and remove this fraudulent account immediately from my Equifax credit report. Someone opened this account in my name without my consent.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I've gone through my credit report recently and noticed there are a lot of fraudulent inquiries on it... I've reached out to all the credit unions to get them removed but they won't help. 

So I've reached out to all the companies and they've never called back, I'm really trying to fix my credit and these are really tanking it. Please see below for the final list : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Here is the only one that isn't fraudulent : XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

After receiving an email and a letter in the mail that stated that they werent able to grant my request to open a deposit account with them, I called the Bank in question. I told them I havent applied for anything and after researching it they told me that on XX/XX/22, someone had applied for a checking account using my information. I confirmed that this was not me and they said they will be turning it over to their fraud department and advised that I file the complaint here as well.
Product: Mortgage

Please read attached document " Bank of America Complaint to cfpb '' due to graphics unable to show in this format. Sorry for the inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account numbers 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX County Indiana Child support and Experian have not worked together to resolve a lingering derogatory on my credit report. XXXX county Indiana child support put a derogatory on my credit report for over {$3000.00} at the end of XXXX. No prior notice of this being reported by them was given. Once I found out about this from my Experian account, I paid the balance in full on XX/XX/2021. They have yet to take the derogatory off my credit report. I have opened up several disputes with Experian and they have not acted. Not only did I never receive notice of this prior to, but I paid it the day I became aware of it and that was almost 30 days ago. Their failure to resolve it is an infringement that has resulted in damages, including my inability to perform my job since I am required to travel abroad and couldn't get my passport due to this travesty. 

Experian and XXXX Co lack of action to resolve in unacceptable and must be raised.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely
Product: Consumer Loan

In XXXX XXXX, I began having financial difficulties, so I turned to online loans in an attempt to make ends meet. I had received a mailed solicitation from XXXX, so I went to the website given on the card ( XXXX ) and took out a loan of {$2600.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, XXXX took the first of a series of automatic deductions from my bank account. XXXX took the following amounts, on the dates shown : XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) These deductions are documented ( red underline ) on the bank statement copies attached. Note that on the last statement, XXXX took XXXX additional deductions that were returned unpaid, as my account was out of money by that time. Only the payments to XXXX that actually went through, are underlined. 

Therefore, I still owe XXXX {$380.00} plus a reasonable rate of interest. 

XX/XX/XXXX, after my financial situation had stabilized, I set about resolving my online and payday loans, of which I had taken out a total of XXXX. It was ( and is ) my intention to repay each lender what they loaned me, plus a reasonable rate of interest. While a number of the lenders worked with me to settle my loan under these terms, XXXX unfortunately refuses to do so. 

On XXXX XXXX, XXXX, I called National Credit Adjusters, which had purchased my loan from XXXX ( account # XXXX ; NCA reference # XXXX ). I spoke with XXXX XXXX, and offered to settle my loan for {$400.00} ( balance plus XXXX % ). He refused, so I offered a maximum of {$500.00} ; XXXX XXXX replied that " that is not an option '' and he then accused me of " pressuring '' him. He countered that he would settle my loan for {$1200.00}. This amounts to an interest rate of 35 %, and is therefore unacceptable to me. 

I tried calling XXXX XXXX again on XXXX XXXX, XXXX, and got the same result. XXXX XXXX has also called me several times, but in each case he insisted on {$1200.00}.
Product: Credit reporting or other personal consumer reports

Formal Demand for Reinvestigation of Accounts Non-Compliance with FCRA** Dear Experian, I am writing to formally address my concerns regarding the investigation of disputed accounts on my credit report. After careful review, it is clear that the investigation conducted was not performed in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 ( a ) [ 15 U.S.C. 1681i ] and 623 ( b ) [ 15 U.S.C. 1681s-2 ( b ) ]. Under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days and notify the consumer of the results. Additionally, 623 ( b ) mandates that furnishers of information must investigate disputes forwarded by credit reporting agencies and report accurate findings. Based on the evidence I have gathered, these requirements were not met in my case. Failure to adhere to these legal obligations undermines the accuracy and integrity of my credit report and constitutes a violation of federal law. If this matter is not addressed promptly, I will have no choice but to pursue legal action to protect my rights as outlined under the FCRA. I demand that Experian : 1. Conduct a thorough reinvestigation of the disputed accounts in compliance with the FCRA. 2. Provide a detailed explanation of the investigation process and the outcome. 3. Correct or delete any inaccurate or unverifiable information. If Experian fails to take corrective action within 15 days of receiving this letter, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue litigation to seek damages for the harm caused by these violations. I trust that Experian will treat this matter with the seriousness it deserves and act in good faith to resolve this issue. Please confirm receipt of this letter and provide a response by specific date, e.g., 15 days from the date of this letter XXXX Sincerely, XXXX XXXX ] **Enclosures : ** - Copies of prior correspondence - Relevant documentation supporting the dispute- Copy of your credit report with disputed items highlighted the accounts are listed below. 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 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
Product: Student loan

I was approved for the borrower defense on XXXX  and as of today, Mohela and the US department of education has failed to update my student loans showing that I am no longer eligible for loans under XXXX XXXX. Ive waited the requested time frame which was 180 days and there was no update so i contacted both agencies and neither agency could answer my questions as to why my loans are still being processed. I filed a feedback case with the US department of education Ombudsman group in XX/XX/ and i waited the requested time frame of 15 business days and have not received any communication from that department. This is affecting my credit profile and finances and i would like for it to corrected as i have now waited an entire year with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on my credit reports. Please send only the original contract with my signature on it that you have on file for the account listed above. 

1. Please show how it was verified 2. Who verifies it?

3. Who validated?

4. How did you validate the alleged debt?

5.. The dates open and closed are different.

6. The account balances are different, who verified these?

Please provide answers to all, if you can not provide you are in violation of UCC 3-302 Holder of due Course. 
Which means you are committing fraud
Product: Checking or savings account

once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help
Product: Debt collection

XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

The company set up a website, XXXX, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts ureseolved
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX {$1200.00} XXXX XXXX {$280.00} XXXX CARD XXXX {$2700.00} XXXX  XXXX XXXX XXXX XXXX {$4000.00} XXXX CARD XXXX {$16000.00} XXXX CARD XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I purchased my 4-plex apartment building in XXXX, with a mortgage from XXXX XXXX XXXX XXXX XXXX. Less than a year later, the country experienced the XXXX " crash ''. 

Since then, the mortgage has been handed off and sold to many other companies, including XXXX, and XXXX. Though I unsuccessfully requested a Loan Modification from XXXX years ago, it has never been refinanced, and my original interest rate of 8.375 % ( an ARM ) still remains. 

On XX/XX/XXXX, I received an invitation to lock in a lower payment by my current company, PHH Mortgage. Invitation attached. When I didnt respond, I was sent a second invitation two months later, on XX/XX/XXXX. 

At the end of XXXX, I found it necessary to streamline my monthly expenses because the main source of income, a community center, had disappeared due to the venue being closed by our governor, due to COVID-19. Ms . XXXX XXXX XXXX processed my refinance application by phone, and I was offered a {$60.00} per month loan payment reduction with a 4.750 % interest rate, which would cost me {$9000.00} in fees and closing costs. I was surprised, as this offer was extended by my current company. Attached is a copy of the Acknowledgment of Receipt of Loan Estimate, and three ( 3 ) pages of the Loan Estimate and Closing Costs. 

In order to streamline application time and causing a Hard Hit on my credit reports, I had requested, up front, the banks fees and closing costs, which she said she didnt know. However, they were supplied to me an hour later, at the end of the phone call. 
Ive been told by another company that the current 8.375 % interest rate is not appropriate or legal during this COVID-19 pandemic time. Im therefore requesting an investigation into PHHs practices.
Product: Credit reporting or other personal consumer reports

I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX  XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX  inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.