23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
St

atements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

Sincerely, XXXX XXXX
Product: Mortgage

Good day I had a second mtg with XXXX XXXX  XXXX of XXXX they transferred the mtg to Greentree servicing in XXXX of XXXX while they ( XXXX  ) were working on a loan modification for me when I was transferred to greentree. greentree told me I would have to start the modification process all over and I would need to be 90 days behind before I could apply for the modification I did that and started the process again at this time they advised me to make XXXX dollar payments every month while they were working on the modification I did this I called to check on the progress every week and wrote to them { via registered mail ) for some response I did not get any response.I talked to a different person every time I called. after many weeks of calls they informed me my mortgage was " charged off " I had no further contact with them and it appears they are no longer in business I tried contacting them as I am trying to refinance my home and they still have a second mortgage recorded on my home can you please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 without my written instrusctions.

15 U.S.C 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: Credit card

Master card, Barclay 's, charged me an annual fee, then interest, then late payments BEFORE I opened the envelope, before the card was activated!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX  sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with 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: Debt collection

XXXX XXXX has been reporting on my Equifax report for over a year. I disputed this over and over because this debt does not belong to me. There were 2 inquiries on my report from them as well I also disputed those and they were removed. This debt with XXXX XXXX has not been removed and is negatively impacting my credit score. I currently have them under another dispute and Equifax suggested I file a complaint as I've disputed this over 10 times. This debt is not mine I have never applied for any credit, good or services with this company. I have a fraud alert on my credit account because of this very reason I believe my personal information has been compromised.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX  XX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :
Product: Debt collection

i am a XXXX  this school and i have tried them to set up payment arrangement 's to at least pay a little something to show them that i am trying to catch everything up to standard and i have tried to call them plenty times to let them know what i can pay and i have also informed this school that i am on a fixed income and that i have other financial obligations like purchasing food and other things as well. but when i have tried to talk with someone no one never answered my phone calls and i have even left messages for them to returned my calls but the phone phone calls was not returned. but every since this virus is out here in this world they want me to pay all this money and i would not be amazed at all if they are charging interest due to this virus. no not at all. and that is what all are the companies are doing. these day 's. using this virus as a excuse to over charge the consumers for services that the people and the consumers did not cause. i feel that as consumers should not have to pay for a virus that they did not cause and i feel that they should not be over charged for services and for people that are on a fixed fixed income and struggling to feed their families and loved ones. and there is no work going on right now due to this very deadly virus that is taking the lives of family member 's and loved ones. and keep in mind that this company and all other companies are not the only ones that has to eat and provide for their families and loved ones. and now these companies are using these scare tactic 's to get more money to support their families.
Product: Checking or savings account

Opened a sandy spring bank my free banking account on XX/XX/2022 with an opening deposit of {$100.00} and enrolled in online access. I was called on XX/XX/2022 saying the account was being locked on suspicion of fraud. Online access was suspended. In mid XX/XX/2022 I called again about either unlocking my online account or how my {$100.00} was going to be returned. I was told my account would be auto-closed on XX/XX/2022 and that I would be mailed a check. It is now XX/XX/2022 and I called again as a check should have been here by now. I was told the account was still open and that the {$100.00} was still there and that I would have to come into a branch. A branch is XXXX hours away, this is not acceptable. I have offered to provide any documentation they need to confirm my identity.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team : This repossession was made without following the laws and procedures specified Under the laws of Rhode Island Title 6 Commercial Law General Regulatory Provisions, Rhode Islands Uniform Commercial Code and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demanded proof that the repossession of the subject vehicle was legal in accordance with the following UCC and The Rhode Island Automobile Repossession Act Chapter 51 : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 6-51-3. DEFAULT, NOTICE, RIGHT TO CURE, REINSTATEMENT. 

I required XXXX XXXX XXXX and XXXX to provide me with copies of the legal notices sent and proof of the commercially reasonable manner of the notification and notice of resale of the subject vehicle for my records. They failed to investigate this account properly, proof this repossession was made lawfully and all the legal notices required after I sent letters to them and they neglect has violated my rights to have an accurate credit history and hurting my ability to be accepted for new credit. 

I am demanding a immediately deletion of the following account from my credit report across all the 3 bureaus : Accounts Name XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( XXXX U.S.C. XXXX ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( XXXX U.S.C. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under XXXX U.S.C. XXXX and XXXX. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing has a collection reporting to XXXX, XXXX and XXXX that isn't mine!! I have never lived at the address associated with the account in dispute! I had this removed over a year ago, due to identity theft. Now its back on and came back verified. They haven't provided proof that the debt is mine ( binding contract with me or cox ), nor a proper investigation to verifying said debt. 

Under the FCRA, any inaccurate information must be removed from my credit report. 
They are also, in violation of laws under 15 U.S.C. 1681 Section 602 A- which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2- states that a consumer reporting agency can not furnish an account without my written permission. 

FDCPA : 22 ( f ) Restrictions on use of certain media.

Paragraph 22 ( f ) ( 2 ).

1. Language or symbol. Section 1006.22 ( f ) ( 2 ) provides, in relevant part, that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail.

I have disputed with all 3 credit bureaus, XXXX XXXX XXXX and the Oklahoma Attorney General. I need this resolved as quickly as possible. Please make sure this company is in compliance with my rights as a consumer and takes off all false and negative information from all 3 credit bureaus.
Product: Mortgage

The reason for this letter is to let you know that I am having problems with my current mortgage company, Select Portfolio Services. This is a debt collections company and I have been with them since XX/XX/XXXX. They are based in the state of Utah. Because my loan had a high interest rate of XXXX % I asked the company to modify my loan. They sent the paperwork and began the modification. It took quite a bit of time and after several exchanges about papers they denied me the modification. I retained a lawyer and paid $ XXXX/month. It took about 7 months until my situation was resolved and still not resolved to my satisfaction, despite my complaints that the monthly payments were still to high for my modest income ( the interest was lowered to XXXX % for three months trial basis and then they said they would lower it further after trial ). After the trial months they said they could not lower it further. I did not want to but signed up because I felt I had no other options and the company told me I had to take it. One month after I sent the paperwork they contacted me with another way of " helping '' me out ( understanding my income and need to lower my monthly payment ). It was called a mortgage assistance program for people with hardships. I filled out the paperwork requesting permission for them to check my credit and transcript for tax return. After I returned the paperwork I continued to receive letters and further requests for the same paperwork. Most recently I received a letter stating they had received my complete package for loss mitigation. I do not know if loss mitigation is the same as the mortgage assistance program? I am unclear what the next steps are and it is taking a very long time. I am still paying high monthly payments and this is not sustainable. I can not keep up with these payments and SPS is now threatening me with foreclosure. I have been paying for 31 years and I need help. 
TIMELINE : XX/XX/XXXX : purchased home, lender was XXXX XXXX XXXX, interest XXXX % XX/XX/XXXX : refinanced to get lower interest rate, lender was XXXX, the refinance included mortgage, credit cards, car payments - THIS COMPANY SCAMMED ME. When I was negotiating with them they told me I had to take it. 
XX/XX/XXXX : I had made all payments to XXXX and they sold my loan multiple times, the last company being XXXX. While with XXXX despite making all payments they kept sending me a bill for {$7000.00} ( for escrow but I did not know what to do because I was making my payments ), so I ignored it. They started foreclosure process and I did n't know why ; then they started rejecting my payments. Finally I found all the money, over {$14000.00} by then, I paid them and they stopped the foreclosure. 
XX/XX/XXXX : XXXX sent me a letter and told me my mortgage was now with Select Portfolio Services. At that time I called SPS and started the modification process ( as storied above ).
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX LOAN NUMBER -- XXXX MORTGAGE COMPANY - FRANKLIN MORTGAGE XXXX ARIZONA DEAR SIR/MADAAM I HAVE BEEN TRYING FOR TWO ( 2 ) MONTHS TO GET AN OVER PAYMENT OF MY REAL ESTATE TAXES IN THE AMOUNT OF {$700.00}. THAT ARE DUE TO ME AS A RESULT IN THE LOWERING OF MY TAXES IN VIRGINIA. I HAVE ASKED 5X WHERE MY REFUND CHECK IS AND THEY KEEP TELLING ME NEXT WEEK, NEXT WEEK. i HAVE SPOKEN TO A SUPERVISOR ABOUT THE PROBLEM, XXXX XXXX AND HE SAID HE WOULD SEE THAT IT WAS MAILED TO ME AND IT HAS NEVER COME. I HAVE LEFT OVER 6 MESSAGES FOR XXXX XXXX AND HE WILL NOT RETURN MY PHONE CALL, I HAVE TRIED TO REACH A MANAGER AND THEY WILL NOT LET ME SPEAK TO ONE,. THIS IS VERY FRUSTRATING, I AM A XXXX XXXX XXXX FROM THE XXXX XXXX XXXXXXXX VIRGINIA AFTER 28 YEARS AND WAS A XXXX XXXX AT THE XXXX ON XXXX WHICH HAS NOW LEFT ME XXXX XXXX  XXXX. I WAS HONORED BY XXXX XXXX IN XXXX VIRGINIA FOR MY SERIVE IN XX/XX/2001. THIS ORGANIZATION HAS VERY POOR CUSTOMER SERVICE AND MANAGEMENT SHOULD BE AWARE TO TAKE CORRECTIVE ACTION. PLEASE HELP ME GET MY REFUND CHECK ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian and XXXX XXXX credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied ccj on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded ccj satisfaction letters
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I list as inaccurate XXXXXXXX XXXX XXXX  for {$860.00} XXXX XXXX XXXX XXXX {$750.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX 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 a personal credit card account opened XXXX XXXX XXXX under the account number XXXX, a credit card opened on XX/XX/XXXX. A personal Loan under XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX under the account number XXXX, An Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The following hard inquires appearing on my credit report are unauthorized and/or not recognized. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The auto dealer had settled the loan in full, but Ally Financial Bank incorrectly processed the amount and is still claiming I owe money. Furthermore, they are inaccurately informing the Credit Bureaus that I am delinquent despite not being so. I have all the documents to support my case. I have attempted to contact Ally Financial numerous times in order to resolve this discrepancy, but I have been unable to get them to correct their systems. I even sent a formal letter via certified mail but they have still not responded.