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

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting

Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.
Product: Debt collection

I am not sure what this debt is and have not received any communication from this compnay about this debt. My first knowledge is the credit report that I pulled up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with these bureaus for months now about reporting inaccurate information. I have asked for proof of debt with validation me proof and validation, proof of 1099c for the debt etc ... in a timely manner and still have not received my request. so now I Will take this case to the next level because this inaccurate reporting is TARNISHING ME AND MY FAMILY AND IT MUST STOP! Without Prejudice15 US code 1681s-2 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.15 us code1681 accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US CODE 1692g validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I agree to pay back any financial obligation in which I lawfully owe, ON THE CONDITION if you provide : 1 Validation of debt- that is the actual accounting. 2 Verification of the Claim against me ; that is a signed invoice. 3 A copy of the contract binding both parties ( Me and You, in a letter by Certified Mail so that there is an independent witness to it having been delivered. send me proof alleged debt specifically the original alleged application bearing my signature that provide proof to me that you are not reporting misleading information
Product: Mortgage

I am XXXX XXXX military and in the process of trying to purchase a home. which will be my forever home/retirement home for completed 20 years of military service. There are some late payment reports on my credit report from my current mortgage lender BB & T. My credit report shows that I had late payments for XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. I have reached out to the bank numerous times explaining to them that I was having financial issues due to having one source of income and being stationed in XXXX XXXX California. Also, I had a tenant abandon my property and in the process of transferring to XXXX XXXX, Texas. Finally, I assumed responsibilities of a nephew due to my sister being XXXX   and I had a death in the family which the family member did not have any life insurance, etc and my family and I had to allocate the funds for burial. I have called BB & T and spoke to several representatives on several different occasions during this painful financial setback. I have also provided a written requesting stating all of these facts to their mortgage department as well as the SCRA department of BB & T. Additionally, I went into a branch in person as well. I have been a loyal paying customer to BB & T since XX/XX/XXXX and have never had any issues up to this point. I am humbly requested that these late payments be removed so that I can purchase my final home before retirement.
Product: Debt collection

XXXX XXXX has my name and social security tied to an unpaid account that does not belong to me. They used Stellar as their collecting agency. Since the unpaid account did not match my address, I never got a bill from XXXX for the unpaid balance. The first time I was approached about this issue was from a Stellar agent. He spoke with my wife, as my wife was trying to communicate to him that we did not reside at that address and our name should not be tied to that account, the agent told my wife that sometimes people can be living a double life ( big time harassment ). Since the amount is only for XXXX nobody is willing to put in time to investigate the issue. My credit is tied to this unpaid bill and now I am trying to buy and investment property and the bank is telling me that I have to pay this debt. Please help with this matter.
Product: Credit card

Company refuses to reset password or assist after verification of my information over the phone will not allow me to log into my account will not reset my account will not reset my password unable to as a consumer utilize the tools I need to close the account or even pay or utilize my credit this is a violation United States code and federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My loan is with SPS Select Portfolio Servicing. I was sent two separate XXXX  Cancellation debt one for XX/XX/XXXX of in the amount of {$91000.00} and one for XX/XX/XXXX for the amount of {$76000.00}. I have file both XXXX on my taxes. Both years have been adjusted on my taxes. Both amounts have been added back into the loan. Which has increased the of my loan to {$380000.00}. I was informed from several agencies that those amounts should not be added back into the loan because these amounts have been sent to the IRS as a forgiven debt. Which means they have said they can not collect the debt. So why are the added back into the loan. The explanation The servers is say is that because the loan modification was not completed. The amounts have been added back into the loan. So they get the tax break from the IRS and still get to add it back into the loan. 

I have been trying to get help to get help with my loan and I don't qualify because of the amount stated on my statements. 

I need help getting this corrected so I can get my mortgage back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. 



Please provide me with a breakdown of all charges and dates of service. 

Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXXXXXX XXXX  to be removed from my credit report. 

All Accounts are listed below : XXXX XXXXXXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debt referenced in your recent communication.

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide the following information : 1. Proof of the Debt : Detailed records that substantiate the debt. Please note that statements alone are not sufficient evidence of a debt. As established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements are not considered adequate proof. 

XXXX. Proof of Ownership : Documentation that you have the legal right to collect this debt, including any assignment or transfer of the debt from the original creditor. 

3. Original Creditor Information : The name and address of the original creditor, as well as any documentation showing the original amount of the debt and any payments made after the initial amount.

4. Agreement with Signature : A copy of any agreement bearing my signature that indicates I agreed to the debt, the amount owed, and the terms under which the debt was incurred. 

Additionally, this letter serves as a formal cease and desist notice. I request that you cease all communication with me regarding this debt, effective immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of direct or indirect contact. For clarification, this cease and desist order also extends to any reporting of this debt to consumer reporting agencies. You are required to delete any information related to this debt from my consumer reports. 

Failure to comply with this request will leave me no choice but to pursue legal action for harassment and abuse under the FDCPA. Below is an itemized list of potential costs that Radius Global Solutions may incur if this matter proceeds to litigation : - **Filing Fees** : {$400.00} - **Service of Process** : {$150.00} - **Attorney Fees** : {$350.00} per hour ( estimated XXXX hours ) = {$7000.00} - **Court Costs** : {$500.00} - **Damages for Harassment and Emotional Distress** : {$10000.00} - **Other Related Expenses** : {$1000.00} **Total Estimated Cost to Radius Global Solutions in Litigation** : {$19000.00} I expect a prompt response within 30 days, confirming the deletion of the inaccurate information from my consumer reports or providing the requested validation of the debt. Please send all correspondence regarding this matter to the address provided above. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Complaint is regarding the " Smart Lease '' program and buy out agreements. Ally Bank issues two separate payoffs for lease buy out ( is this legal? ). One payoff to the consumer / lessee which is based on the contractual lease agreement ( remaining payments + guaranteed residual value ) and another to a dealer called inventory payoff which is based on FMV of vehicle. 

Payoff 1 to lessee ( consumer ) : {$19000.00} Payoff 2 to dealer purchase for inventory price : {$24000.00} ( adjusted to FMV ) This basically locks the consumer out of capturing any equity ( that may exist ) in their vehicle upon a trade to dealer unless the consumer has the funds to personally payoff Ally Bank. This is completely unethical and consumer discriminatory. Then it got worse in my situation, I personally sent Ally Bank {$19000.00} to buy out and payoff my vehicle ( used Ally Bank online payment processing system ) ; however, Ally Bank adjusted the amount to {$2100.00} which was the remaining lease payments only. Ally Bank stated that the only way they will accept the buyout is via sending a certified bank check to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX. They have made it very challenging to payoff and buyout my vehicle. Payoff / Buyout funds were sent to Ally Bank using their online payment processing on XX/XX/XXXX in the amount of {$19000.00} from my personal savings account. Ally Bank subsequently adjusted this amount and did not accept the funds to buy out this lease claiming that those are not certified funds ; however, they had no problem accepting only partial amount of what was sent. 

Dealer was willing to pay me XXXX for the vehicle which would have resulted in net equity toward the purchase of my new vehicle of {$3300.00}. This was lost as Ally Bank would not allow the dealer to payoff the vehicle. Instead, I was forced to personally payoff the vehicle and spend {$19000.00} for which they rejected due to the method of payment. My cash out of pocket on the new vehicle purchase was now much greater than previously expected and I also needed to personally draw on another {$19000.00} to payoff Ally for which they rejected. They have made the buyout and lease payoff near impossible for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

This loan was discharged in Chapter XXXX bankruptcy. received a call from XXXX  regarding this debt. I am requesting a debt validation as I do not owe this debt.
Product: Debt collection

I found out that I was a victim of Identity theft after receiving collection letter from SYNCHRONY BANK. I did not open or authorize this account and I have never had any outstanding debt with this company. Therefore, I filed an FTC ID theft report and a police report to dispute this matter with all the credit bureaus and SYNCHRONY BANK. Although the credit bureaus have resolved this issue and remove the negative account, SYNCHRONY BANK is still making collection activities. They keep sending collection letters which makes me feel harassed. I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau and warn other consumers about this type of financial harassment. 

Under section 605B of the Fair Credit Reporting Act, a creditor is required not to provide the inaccurate information to any Credit Reporting Agencies and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection.

I believe It is not my responsibility to pay the debt I do not own. If SYNCHRONY BANK does not follow with the FCR Act, I'm willing to take any necessary legal step to resolve this matter.
Product: Debt collection

I was contacted by Customer Care Global stating I owed {$270.00} to XXXX XXXX XXXX for a loan that was not paid. I have bank records and a letter from XXXX XXXX XXXX stating the loan had a XXXX balance.
Product: Mortgage

Dear Sirs, We bought our home XXXX yrs ago with XXXX at 11.5 %. We found out shortly after that we were under a preditory loan and could not afford our payments. We tried to sell XXXX after and in that time XXXX went under and our loan went to XXXX. So we had an immediate offer but XXXX turned it down. then a more serious offer came But XXXX turned that XXXX down also! We were sent forclosure papers and sought bankrupsty, when we were hit with the final payback plan and the amount to start our loan again -we could not afford that so we never went to court. We found an expert through XXXX XXXX. We thought finally this would end. It took months to write a wonder proposal and we submitted to XXXX. However they turned it sown and came back with we will put late pymts top end of loan and made us sign papers. The pymnts were more! So then XXXX sold our loan to SLS without our notice. In XXXX I started talking to them and they sent me forms to apply for programs to lower our rates. They said we would not have to make mort pymts while waiting for approval. I was turned down, They imm sent another program offer and another XXXX months went by waiting for approval. Same thing, Turned down. Then another, and yet another. XXXX yrs went by and many months of getting on the phone with them and they say oh we have the papers it looks like you qualify just wait for approval. XXXX XXXX XXXX I got my XXXX not qualified and I screamed at them. They knew full well the math and paper work was all the same but by now we were XXXX yrs behind in mortgage. So they offered us trial agreement by novemeber XXXX ; XXXX XXXX XXXX I borrowed money to start trial. By XXXX I could n't for my life provide enough for mortgage and home expense. I tried but the pymnt were just too high. I asked for a DEED in Lieu. They sent me paperwork talked to them on phone. I sent them document. They come back saying you have to put your house on market. I say you did not say that! So I put it on market. Since XXXX XXXX my house has been on short sale I am now XXXX in the whole. We had a CASH offer in XXXX and guess what SLS turned it down! I have asked and send requesting the DEED in Lieu again however I have had no response. I have called them and they say they can not talk to me because the XXXX lawyer is the only XXXX they will talk too. 
I have spoken with XXXX of companies over the yrs regarding help. Some legit some dont do anything neighborhood housing, XXXX, XXXX or whatever. Our income is the same I am XXXX broken over this and I feel stuck in this hole. My husband became XXXX too XXXX and pray for help daily- XXXX has kept us here for a reason. I have just begun to seek higher appropriate considering a mortgage lawyer wont even help. I will also search FOC, FCC, FTC, OCC, and other state officials. Please respond with any search or contact that might help. Or maybe You are the end to this nightmare. Please HELP!! 

Sincerely Hoping