23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account FRONTLINE ASSET STRATEGIC with a balance of {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now SunTrust trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Product: Debt collection

This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. 
SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX  XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.
Product: Debt collection

I have contacted national credit systems on multiple occasions stating that the debt is not mines I have now filed a police report. this debt needs to be removed you guys also have invalid informations such as different balances and social security numbers and address. I WILL NOW BE REQUESTING LEGAL COUNSEL. Because you guys have failed to do a through verification validating the debt. You claimed you sent information I never got it. I was oversees at the time and I will provide documentation
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has filed a foreclosure lawsuit against my property with Ocwen Loan Servicing LLC. Both Ocwen and XXXX XXXX in parity have conspired to commit fraud even responding through the Consumer Ombudsman office. XXXX XXXX the document custodian of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass through Certificates XXXX XXXX claims to be the owner, Lender and Beneficiary of the subject Loan. I contacted XXXX XXXX to verify the validity of the attached Limited Power of Attorney. XXXX XXXX VP of XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA called me back and upon asking himto verify the LPOA as XXXX is trying to collect on the DOT and forged note told me to sue them. XXXX 's attorneys at XXXX and XXXX XXXX, who have claimed that XXXX is the Lender and Beneficiary claimed that the Deed transfer occurred on XXXX from the originator the XXXX XXXX XXXX to XXXX XXXX. However since the trust is suing me the PSA nor the LPOA was attached and the XXXX XXXX was the broker, the loan was transferred the day of closing XXXX to New Century who sold it to XXXX XXXX XXXX. The title search from XXXX reveals that only the XXXX XXXX XXXX was listed and no subsequent fillings of transfers occurred until Ocwen and XXXX did an illegal substitution of Deed XXXX and appointment of Trustee between themselves. The letter dated XXXX from Ocwen to the OAG claim that XXXX XXXX is the custodian of the blank Note. This entire transaction and self appointing by the two entities fails as XXXX XXXX filed Chapter XXXX on XXXX XXXX, XXXX and could not have held onto or endorsed the Note Without Recourse in Blank to the Trust that closed on XXXX XXXX, XXXX. XXXX XXXX the document custodian of a long closed trust is foreclosing on properties with forged documents. WRONG company is NOT the answer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I Have the right to privacy.

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

I have a credit balance on my credit card. I contacted USBANK both by email and by phone and requested that the bank to send me a check for that balance but they refuse to issue the check. They say they are " researching '' it! The money has been in my account for 10 days and I requested it on XX/XX/XXXX by email and phoned the bank on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Investigation To Whom It May Concern, I am writing to formally file a complaint against the major credit bureausXXXX Experian, and XXXXfor failing to properly investigate and correct inaccurate information on my credit report. 

I have identified multiple accounts on my credit report that are being reported as duplicate entries with incorrect account numbers. These errors are significantly impacting my credit profile. I have submitted formal disputes to each credit bureau, requesting that they investigate these discrepancies and correct or remove the inaccurate information. However, they have failed to conduct a reasonable investigation or resolve the issue. 

Additionally, I have reached out directly to the companies reporting these accounts, requesting validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests, these companies have not provided any verification or documentation to validate the debts they are reporting. 

This lack of response and failure to correct inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to investigate disputes thoroughly and ensure that all reported information is accurate. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that : 1. The credit bureaus conduct a proper investigation into the disputed accounts.

2. Duplicate accounts with incorrect account numbers are removed from my credit report.

3. The reporting companies provide proper debt validation or cease reporting these accounts. 

I have attached supporting documents, including copies of my dispute letters, responses ( if any ), and credit reports highlighting the disputed accounts. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, [ Your Signature ( if mailing ) ] [ Your Printed Name ] Attachments : Copies of dispute letters sent to credit bureaus Copies of debt validation requests sent to reporting companies Copies of credit reports showing the disputed accounts
Product: Bank account or service

I attempted to open up a checking account online with Citizens Bank. Through their account enrollment site, I initiated a transfer from my savings account ( from an external bank XXXX to fund the Citizens Bank account. After pending for two days, the funds were denied. 
I immediately contacted the external bank inquiring why the funds were not released to Citizens Bank. The external bank indicated there was no record of a transfer. The external bank representative indicated that Citizens Bank likely coded the transfer incorrectly as a XXXX account instead of a savings account. This was the most likely scenario since the routing and account number was confirmed accurate. 
I presented this information to Citizens Bank. I spoke with XXXX different customer service representatives who all indicated the Bank was not responsible for the failed transfer and further demanded payment of a fee imposed due to the failed transfer. 
Citizens Bank terminated my account and access to their online banking portal.
Product: Debt collection

IC Systems, XXXX reported an item in collections on XXXX. This was included in my bankruptcy. Please remove collection item.
Product: Credit reporting or other personal consumer reports

I want to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX
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 {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
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 {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX. 
I recently checked my credit report and found several fraudulent inquiries that I was not aware of. These include XXXX  XXXX on XX/XX/year>, XXXX  XXXX XXXX  XXXX  on XX/XX/year>, and XXXX  XXXX again on XX/XX/year>. XXXX XXXX also appeared on XX/XX/year>. The contact numbers for these inquiries are as follows : XXXX XXXX ( XXXX ), XXXX  XXXX from XXXX ( XXXX ), and XXXX XXXX ( XXXX ). These need to be removed immediately my name was in a data breach.
Product: Credit card or prepaid card

I never paid this credit card late. There are dates that the credit said I've paid late which is inaccurate. This is an error and I want this fixed.
Product: Checking or savings account

I am a customer of Ally Bank ( FDIC # XXXX ). On XX/XX/XXXX I enrolled for an offer from Ally. The offer stated that I would receive 1 % cash bonus on new money moved into my selected Ally savings account by XX/XX/XXXX. I was required to keep the new money in the selected account until XX/XX/XXXX. The cash conus was supposed to be paid by XX/XX/XXXX. 

On XX/XX/XXXX I transferred {$50000.00} in new money into the selected Ally savings account from an external bank transfer. I left the entire balance, plus an existing {$8.00} which was already in my selected Ally account, through and including XX/XX/XXXX. In fact, this transferred {$50000.00} in new money remains in that selected Ally savings account to this day. I have not made a single withdrawal, debit, or transfer out of the selected Ally savings account since moving that {$50000.00} into the account on XX/XX/XXXX. 

I never received my 1 % cash bonus ( which should have been {$500.00} - the maximum amount allowed by Ally 's offer ). I have written to Ally several times and I have called twice I believe. I was first told I did not sign up for the offer and so I did not qualify, but I then sent Ally an email I received from them which confirmed that I had enrolled in the offer. That confirmation email contained the rules for the cash bonus which I have summarized above. 

Ally agreed that I signed up for the offer only after I sent them their confirmation email, but they still have not paid me the {$500.00} bonus. They have advised me that there are many people who did not get paid the bonus and they are trying to work through the problem. It is now XX/XX/XXXX - two months since they were supposed to pay me {$500.00} and I have gotten nowhere with Ally. I have wasted a lot of time on this problem, and I have kept {$50000.00} in my Ally account which could have been put to better use elsewhere. 

Ally must pay me the {$500.00} they owe me, and any fines or other compensation that I am lawfully entitled to. I have the email confirming I signed up for the offer which I can send you upon request. I also have messages from Ally with their comments. Thank you.
Product: Debt collection

I received a copy of my credit report and noticed Elan Financial Services reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of FCRA reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Elan Financial Services. I sent a vertification letter with no response.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the last letter written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Product: Bank account or service

I requested fund transfer out from my Synchrony Bank joint saving account to an external bank account I had linked up with Synchrony, but Synchrony kept canceling my transfer requests XXXX times without even an explanation or email/letter notification ; therefore, I was unaware of the reason. Because of the delay on Synchrony part, my check bounced and the external bank charged me {$34.00} fee plus the vendor charged me {$50.00} for return check. When I called Synchrony, their customer service reps including a supervisor named XXXX XXXX from the Kansas call center were rude and basically blame me for not setting up the external links properly. I asked them if that was the case why I never got an email, a letter or a phone call from them as a courtesy. They do not have any problem taking my money, but will not allow me to get my money back? This is unfair, misleading and insulting to the customer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of medical bill from XXXX XXXX opened on XX/XX/XXXX along with 5 hard inquiries, 4 from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with one from XXXX on XX/XX/XXXX. FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.