23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Date : XX/XX/year> Debt Collector 's Name : credit collection service Address Account number : XXXX  ( XXXX XXXX ) Amount : XXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from [ XXXX, XXXX  ], but I am unaware of the amount due since there is no breakdown of any fees. 
Additionally, Please provide a breakdown of fees including any collection costs and charges. Provide a copy of my signature with the provider of service to release Information to you, Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from XXXX XXXX  can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service In connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified, this is the letter Ive sent to the credit reporting agency for validation of debt XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTICED ERRORS ON CONSUMER REPORT AND MADE I, C, SYSTEM, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. I.C. SYSTEMS, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT WAS CHARGED OFF BY ORGINAL SO CALLLED CREDITOR AND THEY HAVE NO CONTRACTUAL AGREEMENT WITH ME NOR HAVE THEY EVER 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS OF A DEBT BEING PAST DUE IN THE AMOUNT OF {$1900.00}. THAT HAS BEEN CHARGED OFF WITH XXXX XXXX XXXX XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to establish an account with Discover Bank. ( Acct ending XXXX ). A formal dispute of this account was sent certified mail with return receipt to Discover Bank at the listed XXXX XXXX NY address however as of this date nothing has been received to verify they have conducted an investigation into this issue ; as is their obligation under federal law to do.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered several significant violations of the Fair Credit Reporting Act ( FCRA ) regarding my credit information. The issues primarily stem from inaccurate and unauthorized reporting on my credit report, which were not properly verified or validated by the credit reporting agencies and debt collectors involved. 

Under FCRA Section XXXX ( 15 U.S. Code XXXX ), credit information about me was accepted without proper verification, resulting in willful noncompliance, which can lead to civil liability of up to {$1000.00} per violation. I also found that my rights under FCRA XXXX XXXX ( d ) ( 2 ) ( A ) ( 15 U.S. Code XXXX ) were violated when I was not informed of my right to opt-out of sharing my personal information, which is a deceptive omission. 

Additionally, there were violations of FCRA Section XXXX ( a ) ( 3 ) ( 15 U.S. Code XXXX ) for furnishing inaccurate accounts and inquiries without proper validation, potentially violating generally accepted accounting principles ( GAAP ). This deceptive reporting of inaccurate debts caused me distress and unnecessary contact from creditors. Furthermore, FCRA Section XXXX ( a ) ( 2 ) ( 15 U.S. Code XXXX ) was breached when information was reported on my credit report without my consent, violating the permissible purposes for credit reports. 

As a result, I issued a formal dispute and authorized the correction of my credit report. I also demanded the immediate removal of inaccurate information, including late payment entries, unauthorized inquiries, and debts that were not validated. I have requested validation under FCRA Section XXXX ( 15 U.S. Code XXXX ) for several accounts and stated that if the debt collectors can not provide proof of these debts, they must be removed from my credit report. 

These actions reflect my firm request for resolution, and I am prepared to pursue legal remedies if necessary to ensure my rights under the Fair Credit Reporting Act are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 
Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

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: Credit reporting, credit repair services, or other personal consumer reports

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. OnXX/XX/202 we noticed my wife 's XX/XX/XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XX/XX/XXXXat XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX  within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.
Product: Debt collection

I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment.
Product: Debt collection

XX/XX/2020 I had owner XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, XXXX Arizona, come to my home to measure to install new vinyl plank flooring in my house. XXXX didn't leave anything in writing with me stating that he would get back to me with a solid price and let me know if I am approved for a no interest credit card from Synchrony bank. The next day XXXX called to let me know I was approved for the credit card and quoted me a price or {$9500.00} which he said included materials and labor.. I was interested in moving ahead and gave XXXX the information and XXXX of the flooring I was interested in to check stock. XXXX informed me that to begin the job I would need to come in and sign a contract. I told XXXX that I would be in within a few day to sign. 3 days later my work began furloughs due to covid-19. I called XXXX to tell him I would not be doing any work at this time due to my work furlough. He informed me that he ordered the flooring and that it can not be returned because it is discontinued, which he never disclosed prior to this. I explained that him ordering flooring without a contract was his decision and was out of my control. The XXXX XXXX closed right after that for 4 months due to Covid lockdown. But, 2 months later in XXXX of XXXX I received a bill from Synchrony Bank for {$9500.00} that XXXX billed to my credit card without my authorization and the XXXX XXXX was still closed due to lockdown. I've made numerous attempts to contact XXXX XXXX regarding these charges and have not received any communication to date from him or any itemized statement of what I was charged for. I contacted Synchrony Bank on this matter. They have sided with the merchant in 3 disputes despite the merchant actually uploading a copy of an unsigned contract that I have never seen. My credit is ruined going from XXXX to low XXXX due to Synchrony Bank 's credit reporting against me. I currently have an open fraud investigation with Synchrony Bank stating that this merchant has used my credit card without my authorization. Recently, I tried to refinance my home and that is how I found out how bad my credit has been damaged by this incident. The lender gave me CFPB info to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXXXXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXX Original balance- XXXX XXXX  Monthly payment -- Last payment date-XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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: Credit card or prepaid card

In XX/XX/XXXX, I was a victim of the XXXX  data breach and since then thieves have used my information to open various credit cards and auto loans. The account that I am referring to in this complaint is with Wells Fargo ; in XX/XX/XXXX a credit card was opened and continued to be used until the thief accumulated a debt of {$4700.00}. I have contacted the creditor and all three credit bureaus several times before the debt got this high in an effort for this account to be shut down and taken off of my credit report. And to no avail neither entity has taken any action but have consistently tried to make me pay for such debt that the thief accumulated over the years without making any payments. I refuse to pay for such debts that do not belong to me. I previously demanded from both the creditor and all 3 credit bureaus for a copy of the application submitted for this credit card in order to verify the identity of the individual that applied for it. All entities have denied my requests over several years in an effort to verify and close this account. This has negatively impacted my credit report for several years now. I have been unable to even obtain a loan to pursue secondary schooling. Please delete this account and all of its history from your systems and my credit report immediately. Attached I also included a certified mail receipt from previous letters sent to the creditor.
Product: Debt collection

Comenity bank/express sold of my debt to an outside company closed my account and charged it off, unfortunately for them the next day i received a loan to repair my credit and I paid the credit company that bought my debt in full what was owed. Comenity bank apparently did not like this and is putting derogatory marks on my credit and doing hard pulls of my credit to put bad hits on my report. neither of the 3 credit reporting companys are doing anything. the account was closed and then paid off, why can they still report late payments pull my report and add derogatory remarks. its there fault for selling my debt a day too early and all this petty childish demeanor over a mere {$550.00}. I would like it to stop so i can carry on trying to fix my youthful credit and get that account taken off my report all together.
Product: Debt collection

I have been sold to a debt colector from my previous rental departments that has jeoperdize my health and my familys due to roaches infestation. I have writen on the contract with them why i canceled my rent and they signed up on it after multiple complains but after moving out started to send me debt owning documents not acurate and i send them.emails and phone call but they never answered so i keep going on my life and to wake up with debt colectors treathing me and ruining my credit and my wifes and she is not even on the contract from previous rental department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple hard inquiries on my credit report from XXXX XXXX XXXX although I had never applied for credit with them. When I contacted them, I was told that they had received credit requests but my personal information was unverifiable so the accounts were not approved. They indicated to me that his was identity theft, as a result of online purchases with XXXX. I sent a letter to XXXX XXXX, XXXX requesting that the unauthorized inquiries be removed from my credit report but they were not removed. The dates these unauthorized inquiries appear are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has had a negative effect on my credit score with XXXX  for nearly two years!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 's 1.XXXX XXXX Acct # XXXX 2.XXXX XXXX Acct # XXXX 3.XXXX XXXX XXXX  Acct # XXXX 4.XXXX  XXXX XXXX XXXX Acct # XXXX Has violated my rights .

15 U.S.C 1681 Section 602A States I have the rights to privacy.

! 5 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Accounts names XXXX, EQUIFAX MORTGAGE SERVICE, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 instructions.
Product: Debt collection

I was XXXX XXXX and had to be given hospital an XXXX by insistence of police officers who cuffed me in my own house because they thought I was drunk. Now a false crediting agency, Wakefield & Associates is requesting a payment of XXXX and I am unemployed as well as case is still undecided. I will not pay this