23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CITIZENS BANK is alleging that I owe a debt of {$570.00}XXXX XXXX  I served a letter on CITIZENS BANK through USPS certified mail on XX/XX/2023, Tracking Number XXXX. In my letter I requested CITIZENS BANK to validate this alleged debt under 15 USC 1692g ( a ) and 15 USC 1692g ( b ). CITIZENS BANK has ignored my request and is now threatening to close my account and report false information on to my consumer report. I have provided copies of CITIZENS BANK correspondences as well as my letter/documents that was received by CITIZENS BANK with this complaint, see the attachments for review. CFPB please help me in resolving this issue, because CITIZENS BANK is ignoring my requests and correspondence. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company and remove any previous addresses. 

Please update my personal information and address to : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

ASKED SEVERAL TIMES FOR ALL OTHER ADDRESS TO BE REMOVED LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/2023 {$38.00} failed to buy XXXX gift card with Amex gift card and money disappeared. This card was declined everywhere, waste of my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my XXXX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my TRANSUNION file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXXXXXX XXXX  XXXX that is showing for XXXX and XXXX
Product: Mortgage

mortgage loan XXXX receive a call from my old employment that 21st mortgage was calling to verify employment I know longer work for the company because I was laid off due to no work. We have fallen behind but I currently started a new job on XX/XX/XXXX we will be caught up by the end of XX/XX/XXXX. Due to previous instances with this company they are to notify me via mail. My prior employment was concerned because they call to verify credit and employment. Why would they be verifying credit with my old employer. They have continue to call them that they reach out to me to ask this company to stop calling them. Once again why would a company reach out to an emploer on multiple occasions when they are to notify us vua mail.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX REGIONAL ACCEPTANCE, 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

I have no knowledge of this XXXX account this account does not appear on any of my other credit reports XXXX and XXXX this account violates FCRA laws 15 U.S.C Sec 1681i ( a ) to report accurate and complete information Re : Letter to remove inaccurate credit information This account is not mines I have asked for the account to be verified and validated Transunion have been reporting incomplete and inaccurate information I have contacted Transunion several Times about my report and I feel they have fail to abide by the FCRA law 15 U.S.C Sec 1681i ( a )
Product: Mortgage

Our mortgage company escrows our monies for our taxes. As of XXXX XXXX, XXXX they have not paid our XXXX property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! It's Saturday, and I'm trying to remove my credit freeze through XXXX XXXX online system and keep getting linked to different Equifax websites, none of which actually enable me remove my freeze. I find it very frustrating that an educated consumer can not easily navigate the website to remove a freeze. I was able to easily do so with XXXX  and XXXX, but have spent about twenty minutes through Equifax 's website to remove it and am unable to do so. My only options are to wait until XXXX XXXX on Monday morning to try and talk to a customer representative, which I find unacceptable as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user and have requested that XXXX remove CapitalOne acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both EQUIFAX and XXXX XXXX are in violation of my federal rights. Even though your agency has been involved and updates were made, they have now been " reverted '' to the original errors to purposefully harm me. 

XXXX XXXX was charged off in XXXX. I then settled with XXXX  XXXX and paid the agreed upon balance in full, on XX/XX/XXXX. 

As of XX/XX/XXXX, My Equifax report is showing it as a Delinquency in Collection Status and the last reported delinquencies were XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX ( the actual charge off date ). Their intentional and willful disregard for my rights has impacted me financially with interest rates and turn downs of credit.
Product: Credit card or prepaid card

On XX/XX/2023, I received physical mail from " Comenity Bank '' located in XXXX, OH. The letter requested me to call this bank to finish processing my " THE SPORTMAN 'S GUIDE VISA credit card account application ''. I never applied for this credit card, have no affiliations with this bank, and don't even have an interest in hunting. I was a victim of identity theft involving significant circumstances within the past 5 years. I did not contact this bank due to the printed information ( physical address, number ) conflicting with online information. I have contact my identity theft monitoring service ( in place since my first theft ) to begin disputing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  # 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

This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX & Every Inquiry deleted NOW.
Product: Credit card

On XX/XX/XXXX my dua date, I made my regular credit card payment of {$50.00} to TRUIST Bank, on XX/XX/XXXX, I made an additional Payment of {$100.00} a few days later I checked and my XXXX Payment was {$0.00} since I had made another payment XXXX. XXXX, XXXX, Today I got an email from XXXX mentioning that TRUIST had reported a late payment for XXXX, I immediately I called TRUIST and spoke to an operator I mention the issue and ask to speak to that department< i was told they didn't have a department that I could speak to regarding that issue, the only thing she mentioned was to dispute it which I did
Product: Debt collection

I, XXXX XXXX, am formally writing this complaint to address a matter in which I, XXXX XXXX, have reason to believe that I, XXXX XXXX, am a victim of abusive and deceptive behavior by a debt collection company. This company has XXXX different names, COLUMBIA DEBT RECOVERY and GENESIS. It is my overstanding that the FDCPA prohibits debt collectors from using business names other than their true name per 15 USC 1692e ( 14 ) of the FDCPA. The debt collection company failed to validate an alleged debt they claimed I, XXXX XXXX, owe. Written notice was sent to them on XX/XX/XXXX requesting them to properly validate the debt. COLUMBIA DEBT RECOVERY DBA GENESIS did not provide any answers as requested in the debt validation letter per 1692g, 12 CFR 1006, and 1692B of the FDCPA to validate the alleged debt. There was provided a copy of an old contract and electronic model form b1 form with violations in the electronic email. COLUMBIA DEBT RECOVERY DBA GENESIS never received permission from XXXX XXXX to use the number associated with any such accounts allegedly associated and as stated in PRIVACY ACT ( 5 U.S.C. 552a ), they did not provide XXXX XXXX with the purchase agreement that gave them legal permission to obtain XXXX XXXX social security number and any other classified information protected by the Privacy Act of 1974 as requested. This is a violation of the PRIVACY ACT. COLUMBIA DEBT RECOVERY AKA GENESIS stated in their response to the debt validation letter that the alleged debt will accrue interest which is a violation per 15 USC 1692f ( 1 ) ( FDCPA ). COLUMBIA DEBT RECOVERY DBA GENESIS name indicates that they are in the debt collection business which is a violation of 15 USC 1692f ( 8 ). COLUMBIA DEBT RECOVERY DBA GENESIS furnished the alleged account in my XXXX Consumer Disclosure Report indicating they are collecting as an attorney. This is a violation of 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and 15 USC 1681s-2 - ( FCRA ) for reporting inaccurate information to the CRAs. Attorneys can not be debt collectors and debt collectors can not be attorneys. COLUMBIA DEBT RECOVERY LLC DBA GENESIS did not provide any proof showing that they were licensed to collect in the state XXXX per XXXX XXXX ( XXXX ). COLUMBIA DEBT RECOVERY LLC DBA GENESIS was demanded to cease and desist all collection activities immediately for abusive and deceptive behavior used against XXXX XXXX to collect the alleged debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS will not cease despite the abuse and violations of my federally protected rights. I, XXXX XXXX, am aware that this debt collection agency has been sued in XXXX for abusive deceptive practices per Creager v. Columbia Debt Recovery in which they were judged for that matter. I, XXXX XXXX am aware that this debt collection agency is a junk debt buyer flagged as an abusive debt collection company.
Product: Mortgage

My husband passed away the first part of XXXX 2016 and I 've been trying to assume Mortgage but NationStar Mortgage is being very difficult to do this. My name is on deed but not Mortgage..We leave in a " Joint Tenancy state with the right of survivalship '' but lender does n't seem to care. I have provided lender with all they have ask for and still I 'm waiting. Ii contacted them back in XXXX of 2016 and also sent them the certified death certificate but nothing seems to get them moving. They say they will call me back, they do n't. 
They say they r sending paperwork for me to sign, they do n't, I 'm at a loss as what to do next.. I 've want to refinance the loan once it 's in my name, and now rates have gone up! 
Please help
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Debt collection

I pay my debt with a program of XXXX XXXX. 

I received a letter with debt {$2000.00} XX/XX/2023. I make a dispute with evidence of XXXX XXXX. 

I received another letter XX/XX/2023 I presented again the same evidence. 

I received a letter XX/XX/2023 where they said already responded my dispute, they ignored my evidences. That response I must to make a claim to you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with the XXXXXXXX XXXX XXXXXXXXand i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX  2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX, Equifax and XXXX for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth 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, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved into XXXX XXXX XXXX in XX/XX/XXXX as we had sold our house quicker than expected. We closed on our new home on XX/XX/XXXX and moved out of XXXX XXXX on XX/XX/XXXX, at which time we were told by XXXX XXXX that our account was paid in full and had a XXXX balance. A considerably long time after that, we received a letter from Pro collect stating we had been placed in collections, at first they told us we had moved out in XX/XX/XXXX, not XX/XX/XXXX. I repeatedly told them their information was incorrect, but they kept on sending me collection letters, I asked for the information that was provided to them by XXXX XXXX, & it is false. I have tried numerous times to contact pro collect without success and have filed several disputes through experian again without success. I believe the actions of this debt collection company is in breach of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently implore you to take immediate action to address the fraudulent inquiries on my credit report. These unauthorized inquiries have caused me significant distress, as I did not authorize them. It is unjust for me to bear responsibility for these accounts, as I did not initiate or approve them. I urge you to promptly rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DSNB XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting 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 XXXX XXXXXXXX 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 XXXXXXXX, 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 an 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.