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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX agency name : SECURITY CREDIT SERVIC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Collection Activities Account Number : XXXX To Whom It May Concern : I am writing to formally request that you cease all collection activities regarding the above-referenced account, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 



This letter serves as notice that I do not wish to be contacted further regarding this matter, except for written communication confirming the cessation of collection activities or advising me of any specific legal actions you may pursue.

Please be aware that failure to comply with this request may constitute a violation of the FDCPA. 



Additionally, I dispute the validity of this debt as listed on my credit report, as the information appears inaccurate. Please remove any incorrect or unverifiable information related to this account. If you believe the debt is valid, please provide written validation of the debt as required under the FDCPA. 



Any further attempts to contact me, including phone calls, emails, or other forms of communication, will be considered harassment and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. 



Thank you for your prompt attention to this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX  to run my credit on TransUnion neither do I have knowledge of it
Product: Debt collection

I never agreed verbally nor signed my signature to any term agreement to buy or purchase any item they said I bought. I dont have any credit but student loans this is fraud and I demand this to be corrected it sounds as though my ssn was stolen. If my personal signature can not be proven I demand this false fraudulent activity to be removed from all three credit bureaus thank you.
Product: Credit reporting or other personal consumer reports

I asked the collections agency who has the debt to provide for me a copy of the lease and the signature on the contract and ID used to get the apartment in my name. In order to verify it wasn't me. They said " the information is not available to forward to me. I needed to contact the apartments. '' When I contacted XXXX XXXX  XXXX XXXX said " XXXX  owns the debt now " They have been handing that debt sense 2020 and I need to speak with them regarding the situations. 

They refuse to provide me with any evidence in the case This fraudulent information needs to be removed off all three of my credit reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, and XXXX XXXX acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX  and I agreed to pay to delete the debt and remove both trade lines from my credit report. One that was entered erroneously and the original trade line from XX/XX/year>. 
once the debt was paid the orginal debt was removed but not the erroneous second trade line. I called XXXX and the stated that there is no reporting of the debt on their end. I called XXXX and they stated that the company is reporting the debt and they can not delete it. Now XXXX will not respond to the calls or emails. Someone needs to fix this or we will be going to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ 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  ] [ Dates of fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX  credit score and 13 points from my XXXX  credit score.
Product: Vehicle loan or lease

I called today to request forebarence or deferment of payments since my husband is now unemployed due to Covid. The company said they are no longer offering any " extensions. '' I told the representative that I thought all companies had to comply due to Cares Act if the loss is pandemic related, she stated that they did not.
Product: Credit card or prepaid card

Good Day I have been a customer of Citibank since 2000. Last month I received a letter from Citibank stating my credit limit was being reduced from XXXX to XXXX due to a credit score from the three reporting agency 's. I have always had a great score in the 750 + range. The decrease does not really affect me financially but it will in the future and for time to come. The problem is I had a high credit limit and to proportion to what I owe was acceptable. By Citibank lowing the credit limit as low as they did they have jeopardize and hurt my credit worthiness for the future. They willing or unwilling have trashed my credit report on purpose. I feel they should have not decreased the credit line to a point it would actually hurt my future credit score this is completely reckless on their part and should be corrected immediately to a credit limit that wont hurt my score. Why are they punishing me for a credit check when I have never been late in over twenty years except for last month when I did not realize I did not pay my bill I called and made payment immediately when problem was discovered. They assured me it would not be a problem and look a couple days later I received a letter decreasing my credit limit. Again I don't have a problem with decrease however with the amount they did with out caring about the consequences of their action would ruin my credit. Citibank should be held responsible for this issue they created. Why should I pay my bills on time to keep my perfect score? I spoke to Citibank on the phone to no avail they didn't understand the the consequence of their action. This issue is not about my credit limit it's about principals how Citibank can ruin a person 's credit be a stroke of a keyboard and get away with it. When asked on how to file a compliant agent did not want to share information on how to contact this department he stated it was up to me to find out on my own.
Product: Credit card or prepaid card

I recievied a letter from Bank of America saying that I had suspicious activity on a credit card ending in XXXX, that I do not have or never opened an a account..
Product: Debt collection

I recently checked my credit report and noticed that this company Axcess Financial ( Axcssfn/Cngo ) is reporting derogatory remarks on my XXXX credit file. I attempted to contact the company circa XXXX XXXX to validate this alleged debt and i received no response. I consider this to be fraud.
Product: Credit reporting

Hi there is XXXX accounts In collections Again on my Credit report Equifax only, These Identity and Financial Fraud happen sometime ago and was removed from my credit report. You guys also help with that issue a fee years ago. XXXX Equifax put it back on? Knowing its fraud. I have also submitted all info and I was living out of the country at the time of fraud I just returned late XX/XX/2015 and now just say this back on my Credit file. Please remove XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$1000.00}
Product: Credit card or prepaid card

This started in mid XXXX, XXXX. I received a legitimate email from my credit-monitoring company that a credit report was requested. In short, someone was trying on XXXX occasions to open a credit card in my name. Two involved Bank of America and the other XXXX XXXX. So far, no card was actually opened but a new credit card was delivered by US mail to my home address. Luckily, I caught it, notified the bank and destroyed the card. All three credit-monitoring companies ( XXXX, XXXX & XXXX XXXX XXXX have been notified plus I filed a police report with my hometown P.D. in NJ. I want to be sure I am covering all bases. I contacted social security because I receive monthly benefits ( I'm XXXX XXXX XXXX and retired ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXXXXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN  ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN  CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Hi LVNV FUNDING, XXXX XXXX ; XXXX XXXX XXXX ; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.

Basically, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or
operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

My mortgage servicing company is Primary Residential Mortgage ( PRMI ). My problems with them are as follows : Escrow shortage money ( {$500.00} ) submitted to them XX/XX/XXXX was not applied to escrow account as I was told. It was applied to mortgage payment. It took my phone call on XX/XX/XXXX for them to be told about this and on XX/XX/XXXX that {$500.00} was directed to escrow account. 

XX/XX/XXXX I received both letters and phone call of mortgage shortage for XXXX payment. My payment transaction history from my bank shows PRMI has recevied ( 23 ) payments of {$610.00} from XX/XX/XXXX through XX/XX/XXXX totaling {$14.00}, XXXX. Payments, bi-weekly, with XX/XX/XXXX having ( 3 ) payments. The required mortgage is {$13000.00}. This month I am being told that my payments are late and overdue. How is that possible? 

After calls ( XX/XX/XXXX, XX/XX/XXXX ) I was told by XXXX XXXX ( Customer service team lead ) of PRMI that some of my payments ( {$720.00} ) of my intended mortgage money was applied to the principal in XXXX. She also stated it couldn't be reversed because it was over one month. The escrow money was reversed and it was over one month. She stated in her XX/XX/XXXX call that supervisor would call to discuss this with me further. I was never called. 

In my opinion, I feel that I should not be obligated to pay any late fees or make up the mortgage payments shortage they claim I have. They received 11 1/2 months of mortgage payments for 11 months of mortgage. Because they applied the money incorrectly, is not my fault and should not be penalized.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of accounts. Despite assurances and prior attempts to resolve this issue, I find it disappointing that a second attempt was necessary to address the matter adequately. 

I understand that mistakes can happen, but repeated oversights are unacceptable. This situation reflects poorly on your company 's efficiency and attention to detail. Moreover, it raises questions about the reliability of your services and the level of professionalism exhibited in handling customer accounts. 

I urge you to take immediate action to rectify this situation and ensure that similar delays do not occur in the future. Additionally, I expect clear communication regarding the steps being taken to prevent such issues from arising again. 

Furthermore, I request compensation for the inconvenience and time wasted due to the delayed account openings and the need for a second attempt to correct the error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance : {$36000.00} ; XXXX  XXXX Balance : {$20000.00}.
Product: Debt collection

I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from IXXXX the other was XXXX ( which I didnt end up taking ), and a XXXX XXXX  credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX DC 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXXXXXX XX/XX/XXXX YXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX