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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One in XX/XX/XXXX and spoke with a representaive about removing an account from my credit report after I pay it off because I am in the process of buying a new home and this is the last thing holding me back for approval. She said that after it was confirmed paid to give it about 30 days and if it wasnt removed then Capital One would then file a dispute to have it removed. I hung up after remembering I did not get her name or i.d number so I immediately called back. When I called back I talked to representative XXXX and she said that information that was given to me was false and she couldnt help me. I called back on XX/XX/XXXX and I talked with supervisor XXXX and asked her to pull up the call so that she can hear the misleading information that was given to me by one of her workers. She said she did not need to pull it up and that she was sorry for that representative giving me the false info but she can not help me get it removed from my credit report.She said that was a mistake and there was nothing that she could do even if that was promised to me by her company.
Product: Credit reporting or other personal consumer reports

This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law. 
Previously I requested you to conduct investigation regarding the account name and account number reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the, pursuant to 15 U.S. Code 1681s2 inaccurately reporting You are violating my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Mortgage

This complaint is for better clarification and in addition to a complaint filed on XX/XX/XXXX # XXXX. I have been making double payments on my CMG financial mortgage ( loan # XXXX ) for the last year. Per CMG Financial 's policy any amount over the mortgage payment goes towards principle on the loan. This month ( XX/XX/2022 ) I paid a little over double my mortgage payment. The second payment I made for {$1300.00} this month ( which should have all gone towards principle ) was applied towards interest and only {$29.00} of that amount was applied towards principle. I have called them seven different times. Each time they informed me that it would be taken care of in 3 days. It has been approximately 3 weeks and I have spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX and XXXX XX/XX/XXXX and most recently XXXX # XXXX on XX/XX/XXXX and several other CMG agents whose names I do not recall, and they still have not fixed the payment problem.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that, as defined by 15 USC 1681 ( a ) ( 2 ), " consumer reports '' do not include any reports containing information solely as to the transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations like Early Warning Services. 

The mentioned events, such as XXXX  occurrences, overdrafts, and account closures, are considered " transactions and experiences '' that occur in a private business relationship between myself and my bank, not between myself and Early Warning Services. I never opened an Early Warning Service line of credit account, and therefore, these events should not be reported by your agency. 

Furthermore, the financial institutions sharing this information with Early Warning Services are not related by any common ownership or corporate control, making Early Warning Services a non-affiliated third party. According to the Fair Credit Reporting Act, the trafficking of consumers ' nonpublic personal information to any non-affiliated third-party consumer reporting agency, without proper authorization, is considered identity theft. 

I want to emphasize that I, as a consumer, did not provide written authorization to any of the financial institutions involved to share my banking records and history with Early Warning Services. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred outside of my normal business activity with these banks and took place without my written consent or notice to opt into the sharing of my personal information.

Moreover, 15 USC 1681 ( d ) specifies that any " person, '' including corporations like Early Warning Services, may not procure a consumer report on any consumer unless it is clearly disclosed to the consumer that an investigative consumer report may be made.

This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I, as a consumer, did not receive any written disclosure from Early Warning Services regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record.

To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. 

If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer. 

I appreciate your prompt attention to this matter and expect a thorough investigation into the inaccuracies outlined in this letter. Your compliance with the FCRA is crucial in ensuring the accuracy and fairness of consumer reports. I look forward to your prompt response. 

Below is a copy of my Drivers License to validate my identity. I am the one disputing this.
Product: Mortgage

I noticed that my recent credit report contains a late payment reported on XX/XX/2023 for my Truist Mortgage I want you to know that I understand my financial obligations, and if it were'nt for an oversight, I'd have an excellent repayment record. I believe I may have made a mistake when manually entering in the routing number used in making payment on my mortgage. I paid my mortgage on XX/XX/2023 for the month of XXXX. The mortgage payment was made using Truist 's automated payment system. It wasn't until XX/XX/2023 that I discovered that a 30-day delinquent notice had been applied to my credit score. I called Truist the same day, and was told that they were aware of the payment made on XX/XX/XXXX and that it was returned. I was also told by the payment associate that there may have been a number entered incorrectly which prevented the payment from going through. Through the life of the loan I have tried to make every payment on time to prevent any detriment to my credit score. The funds were readily available at the time of the XX/XX/XXXX payment. 

I have recently found out that the negative effects on my credit have already taken hold and have forced another institution to sever ties with me. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 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 than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have continuously contested the inaccuracies in the provided information with XXXX and TransUnion. Unfortunately, the matter remains unresolved up to the present time. 

Reporting in XXXX : XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 US Code 1692f ( XXXX ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

Reporting in TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX This account is in violation of 15 USC 1692e ( 8 ) - False and inaccurate credit information reported. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.
Product: Payday loan

charging outrageous fees tried to set up a payment plan but unsire who I am paying they keep harassing me at work calling my cell phone saying they are going to verify my employment. Im trying to fix my credit with a consumer credit services and they do n't want to wait for payment. He be littles me saying I broke the law trying to embarrass me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

Contacted via telephone by XXXX and XXXX. Identified himself as XXXX XXXX. Phone XXXX XXXX XXXX. Threatened to sue me for credit fraud regarding a possible account I had approx 25 years ago. Closed account possibly. This person also contacted my sister via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act National Recovery Agency # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name on XXXX XXXX with Congress Collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill hit my credit. I have been fighting with the insurance company to pay for the bill since they had already approved the gap insurance for my failure to thrive baby to go to a XXXX. I have an appeal with XXXX XXXX. I have told the doctor 's office this and they still sent it to collections. I paid the bill and the collection company will not take it off my credit nor will they give me a receipt. I have called begging for them just to take it off my credit and they will not even send me a receipt. Also, they charged me extra beyond the medical bill. I did pay my co-pay and filed a complaint with the State of Colorado about XXXX XXXX 's abusive practices. I paid the bill on XX/XX/2021 and no receipt.
Product: Mortgage

Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting SYNCB/AMAZON PLCC Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Dispute of Debt Dear SOURCE RECEIVABLES M, I am writing to formally dispute all debts that you allege. Under the Fair Debt Collection Practices Act ( FDCPA ) and relevant regulations, you are required to validate the debt and provide specific information to support your claims. To date, I have not received proper notice or any evidence that would substantiate the debt in question. 
Please be advised that I am revoking all rights to communicate with me via email, text messages, or phone calls. From this point forward, all correspondence must be conducted through written letters. Any further attempts to contact me via other means will be considered a violation of my rights under the FDCPA. 
To resolve this matter, I request the following : Assignment of Debt : Provide documentation proving the assignment of this debt to your agency. If you can not provide this, you have no legal right to pursue this debt.

Proof of Notification : Debt collectors are required to provide written notice of a debt within five days of obtaining the account. I did not receive any such notice, and therefore, you had no legal right to report this debt to any consumer reporting agency. Please furnish a certified receipt with my signature as proof that you provided proper notification.

Method of Validation : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), you are required to disclose the method used to validate this debt. Please provide the steps and processes used, including all correspondence, communications, and documentation related to the validation, along with the names, phone numbers, email addresses, and physical addresses of all parties involved.

Purchase Agreement : Provide a copy of the purchase agreement between your agency and the original creditor that transferred this alleged debt to you.

Debt Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the necessary validation information. Without proper validation, you have no authority to furnish any account information to a consumer reporting agency.

Proof of Licensing and Bonding : Furnish proof that your agency is licensed and bonded to collect debts in my state, as required by law.

Additionally, please note that under 12 CFR 1006.34 ( d ) and 15 USC 1692g, any collection activity or reporting to consumer credit bureaus without providing the required disclosures and documentation is a violation of federal law. You are in clear violation of these regulations, and I demand that you immediately cease all collection activities and remove any reported information from my credit report until this matter is properly resolved. 
If you believe that you have complied with the law, I request that you provide all the documentation and evidence requested above within the next 30 days. Failure to do so will leave me no choice but to take further legal action to protect my rights. 
Please consider this letter as my formal request for all necessary documentation and evidence in accordance with the Fair Debt Collection Practices Act and other applicable laws. 
Thank you for your immediate attention to this matter.