23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo solicited us to agree to an appointment with an investment individual. As incentive to agreeing to lose time at their office attending an appt., we were to receive {$20.00} into our account. I agreed and set the appointment. I showed up. The investment individual was not yet there. The bank employees who were there did not have information ; it was their investment rep who would know but, again, the rep was not there. I waited. I waited as long as an appt would have taken. The rep never showed up. I never received an apology. When I wrote the bank, they did nothing about it. They still owe me since I kept my end of the bargain, and I lost the amount of time agreed that was to be compensated with the {$20.00} into our acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA,  HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : 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
Product: Mortgage

I applied for a loan modification. I was approved then denied. I have all the documents for when I was approved for proof.
Product: Credit reporting

I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.
Product: Credit reporting or other personal consumer reports

This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who may fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX at Equifax let people take my private info. I do n't know how any company that deals with information in today 's modern age can be so incompetent but they apparently want to be the next enron so I 'll be seeing them in the class action lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Cover Letter For Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX  : XXXX Remove All Inquiries
Product: Bank account or service

Situation 1 : I notice {$15.00} deducted from my account. The bank states that my account was credited and they are now collecting their funds. I do not believe this to be accurate. 
I attempted to view a detail version that would explain everything in whole but they denied me. 

Situation 2 : I need the overdraft fees corrected on my account. The last overdraft fees charged to my account were to be placed back once my claims were processed but after the claims were processed - the fees were never adjusted. 

Please advise.
Product: Debt collection

Subject : Complaint Regarding Debt Reporting Violation I am writing to file a formal complaint against Financial Assistance INC for alleged debt reporting practices that I believe are in violation of federal regulations, specifically 12 CFR 1006.34, Notice for validation of debts. 

I have recently become aware that an unfamiliar alleged debt is being furnished onto my credit reports by Financial Assistance INC. This information has been reported to the three major consumer reporting agencies, including XXXX, XXXX, and XXXX. My concern is that this action has taken place without providing the required validation information as mandated by federal law. 

According to 12 CFR 1006.34 ( a ) ( 1 ), a debt collector is obligated to provide consumers with validation information, which includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires debt collectors to disclose in their initial communication that they are attempting to collect a debt and that any information obtained will be used for that purpose. To the best of my knowledge, I have not received any such communication from Financial Assistance INC. 

The reporting of this alleged debt to my consumer credit report has had a severe and detrimental impact on my character, reputation, general mode of living, and my ability to obtain credit for personal and household purposes. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Financial Assistance INC for potential violations of federal debt collection regulations and consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XX/XX/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 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
Product: Debt collection

*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # : XXXX I am writing this letter to formally lodge a complaint against Cavalry Portfolio Services , LLC regarding your abusive , deceptive, and unfair collection practices in the collection of extensions of credit. As a federally protected consumer, I am deeply concerned about the conduct of your company, and I believe it is essential to address the issue promptly.

I refute any alleged agreement or contract, whether implied or explicit, between myself and the original creditor. Moreover, I have never provided any consent for your company to possess my nonpublic personal information. This account is, in fact, a billing error, and I expect you to provide me with documentary evidence of the obligor 's indebtedness.

Additionally, I have reason to believe that Cavalry Portfolio Services , LLC is conspiring with consumer reporting agencies to cause a restraint of trade and commerce, which amounts to racketeering activity. Such actions are in violation of the False Claims Act and are seriously jeopardizing my consumer credit reputation with other financial institutions. By fraudulently furnishing this alleged debt to coerce payment, your company has resorted to threats, duress, and coercion, thereby exercising undue influence.

I want to make it clear that I am legally refusing to pay this debt under the provisions of 15 U.S. Code 1692c ( c ). Therefore, I demand an immediate cease and desist of all illegal activity, communication, and collection efforts related to this and any alleged debts until Cavalry Portfolio Services , LLC provides sufficient documentary evidence of my legal obligation to pay.

Failure to comply with this cease and desist notice will leave me with no choice but to pursue legal action for actual damages caused. In such a scenario, Cavalry Portfolio Service
s , LLC will be held accountable for violations of various acts, including but not limited to TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

I hereby request that you promptly provide me with the necessary documents supporting your claims. The receipt of this notice invokes my rights under UCC 1-202f, and I expect a timely response from your company.

Your immediate attention to this matter is both requested and required. I anticipate a resolution within [ state a reasonable timeframe, e.g., 30 days ] from the receipt of this letter.

Please consider this as an opportunity to rectify the situation and resolve the matter without resorting to legal proceedings. I trust that you will treat this matter with the seriousness it deserves and act in accordance with the applicable laws and regulations. 

( ACCOUNT NUMBER : XXXX ) Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I paid the agree upon amount to Resurgent Capital Services acting as LVNV. Once paid they agree to remove their collection account from my credit report. As of today the collection account is still posted on my report hurting my credit score.
Product: Credit card

Got a call from Target Redcard new member service. They asked me if I had applied for one of their cards. I told them I hadnt and asked for the info they had from the application : address, birthday and social, but not a correct drivers license. I told the representative not to issue the card and they agreed to decline the credit application. I then asked them to close all Target accounts in my name ( we have none ) and send me confirmation of this. I verified my address for that. Just worried they have my info and whether I was OK responding with my information.
Product: Debt collection

PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Mortgage

We have mortgage with PennyMac. We closedwith builder 's Lender in XX/XX/XXXX, our mortgage was sold to PennyMac before we made our first payment. Our 1st mortgage payment was due on XX/XX/XXXX. Since that date we have been making our mortgage payment on biweekly schedule. It is been three years with PennyMac. Our mortgage payment included PITI ( principal, interest, homeowners insurance, property taxes and Mud taxes ) all have being collectedin escrow Since day one with PennyMac. 

PennyMac never collected enough funds to cover our escrow. They ran escrow analysis before our taxes and HOI become due for all three years and they used wrong figures to calculate our escrow. We have talked to PennyMacafter shortening ourescrow account severely now they have double our payment which is {$1400.00} to now it is {$2700.00}. I do not work my husband does XXXX we are barely surviving.we contacted PennyMac and told them they made a mistake and it is causing us major dent in our pocket. They deprived our escrow account for three years by using wrong figures andnow they are collecting all at once. We can not make such big payments. We need legal help to avoid any kind of legal action or late payments. Please help us we are looking toresovle this matter. This is not a small escrow collection mistake it is a HUGE mistake. What can we do in this situation? PennyMac 's escrow manager and customer service manager do realize they have made a mistake they are offering to spread the shortage over 5 years but this is their mistake we are not going to be penalized in any form. Is there we can do so they can pay for the shortage? Please advise.