23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX. 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 MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Checking or savings account

XXXX XXXX is the chairman, president and chief XXXX XXXX of U.S. Bancorp In XX/XX/XXXX, I worked for XXXX XXXX XXXX in teh US Bank XXXX building XXXX XXXX, XXXX. 

The government forced closure of place of employment and provided me with Covid Unemployment compensation which was too little too late and I very quickly fell behind on Mortgage/car/credit card payments. Prior to government forced unemployment, i had a high 700 credit score and always paid my bills on time. 

My mortgage, Car loan, and 2 high balance credit cards, and a reserve account were all current, and then i quickly fell behind when the place i worked at was forced to permanently close. 

Then US Bank started deducting all kinds of NSF and penalties across all my accounts. The amount is over {$1500.00} that was STOLEN from my government assistance funds. 

Then XXXX XXXX and US BANK tried to force signature on a quit claim deed to correct the mistake they made on a quit claim deed that originated with my mortgage in XXXX at XXXX XXXX XXXX # XXXX XXXX Mn XXXX They hired a bunch of XXXX to harass me and there are a few police reports at the XXXX Police Department regarding the XXXX. 

Then there was a cease and desist that was violated numerous times. 

All this occurred while I was forced to stay home. I was receiving Covid relief and I was enrolled in a Federal Government Mortgage Assistance program. I question the legality of USBANK attempting to foreclose on my primary residence while forced to stay home and on these Government Assisted Programs. 

I paid all back owed amount on my mortgage and re-enrolled in government mortgage assistance. I am also on Minnesota Medical Assistance and have filed identity theft affidavit with the IRS and have multiple agencies helping with the investigation. 

These banks are TOO BIG to MANAGE and they attacked the service industry victims. I would characterize XXXX XXXX and US BANK as XXXX, organized crime of UNITED STATES TREASURY FUNDS LOCK THEM UP I authorize you to investigate the FINANCIAL CRIMES on my behalf. My social security numbers is compromised. I will be requesting new Identity from the IRS Thank You for your help in recovering my losses and prosecuting the criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX, XXXX, Experian 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. 
I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )
Product: Debt collection

Hello, I recently ran my credit report with XXXX and discovered a collection item from I.C. Systems, Inc in the amount of {$400.00} from XXXX XXXX. 

I researched my bank statements and did not see any charges in relations to I.C. Systems, Inc. I.C . Systems, Inc is causing emotional harm to my reputation and acting negligent to provide inaccurate information publicly to the credit bureaus. 

I never had a direct business relationship with this company and I would like to see the actual written contract and whatever supportive documents that obligates me to this alleged debt presented to me in a timely manner. 

If I.C. Systems, Inc has a clear copy of my driver license. They should submit that as evidence to support this alleged debt. 

I understand there is a verification process with the credit bureaus. Which is automated and not really 100 % accurate most times with the credit bureaus. 

I will follow up on my end with the credit bureaus and dispute this alleged debt and ask for the proper documentation that relates to this matter. 

Throughout the process of this investigation I would like to request an audit on the record keeping of process for I. C. Systems, Inc. I want to make sure that they are adhering to State of Texas and Federal laws. I have done my research on this particular company and noticed the past and present federal lawsuits in relation to violations of the Fair Debt Collections Practice Act.

I hope that a positive resolution will result from my direct communication in regards to this alleged debt. I.C. Systems have XXXX  days to respond to this request of verification and forward all required requested documents via US Certified Mail. 

Thank you for your time, XXXX XXXX
Product: Credit reporting

I had received a monthly credit report on XXXX as part of a free service with my credit card company. My credit card company used TransUnion to provide this service. In the report I noticed that the reported amount for the outstanding loans I have is about {$81000.00}. Previous statements from my loan had stated that my loan balance was around {$67000.00}. I called my service provider and they confirmed that my loan balance was correct. They had also affirmed to me that they send monthly balance updates to the Federal Credit Bureau, and they recommended that I contact the credit reporting company to tell them to update my information. 

I admit that I had a free credit report done in XXXX 2016. XXXX and XXXX had reported the same amount that XXXX had been reporting, but TransUnion was the only one that was reporting the {$81000.00}. 

I called TransUnion immediately after I called XXXX. I was first asked a series of questions to confirm my identity like I would for a credit report, but the first alarm that went off was they asked for any other last names that I have used in the past. The had no record of my current name. It has been XXXX years since I had changed my name and I had never worked with this company ( or other credit reporting companies, namely XXXX or XXXX ) before the phone call on XXXX. Therefore, any information they were able to collect prior must have come through Federal Credit Bureau. When I asked them to update my information, they had told me that I need to mail in information confirming my identity with a current lender. This company is asking to confirm information with them that should have been provided from the Federal Credit Bureau. 

When I inquired about the amout reported for my loan after being told I need to correct my current name with TransUnion, the representative was unable to confirm with me the total outstanding balance on my student loan with XXXX and stated that I had several accounts with them. He told me then that he would send me my credit report with them in the mail and that I needed to call back in 3 to 5 days to tell them which accounts were wrong. Again, prior to this conversation with TransUnion, I had never engaged in business items with them so the information collected on me had to come from the Fedeal Credit Bureau and therefore, they are delinquent on their records. 

As in the case I discovered with my credit card company, my outstanding debt is being falsely reported to creditors and lenders. It is negatively impacting my credit score and could potentially harm my chance of purchasing a home in the future. This correction must be made with out hassle ( e.g. mailing unsolicited credit reports, and providing documents to prove my name change that should have been noted already ), and the company must update their information using the Fedeal Crefit Bureaus Databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..
Product: Mortgage

Hi, I am a home owner and this home was financed by a mortgage company on XX/XX/XXXX and the purchase was closed. During the time of the purchase I made 10 % down payment towards the mortage. On XX/XX/XXXX, I made a substantial and significant payment towards the principal and the LTV came down to 11.64 %. I am requesting the mortgage company to cancel my PMI based on the LTV and also have made a written request. But I am being constantly asked to perform an appraisal of the property or the date on which the PMI will expire is on XX/XX/XXXX which does not make sense to me. Because if I continue to make my mortgage payments as agreed the remaining loan balance will not stand until XX/XX/XXXX and will be paid of byXX/XX/XXXXor even before if I can make additional principal payments. The expiry date as they say is based on the original amortization and as I know the PMI has to be automatically cancelled when the LTV hits below 80 % and in my case it is right now at 11.64 %. I am requesting to cancel the PMI based on the original appraisal which happened about 8 months back in XX/XX/XXXXand even the county 's appraisal yearXX/XX/XXXX for the purposes of the property tax is higher than what it was during the time of purchase. I am wondering as per the HPA is it not a protocol to the lender to automatically cancel the PMI based on the LTV. And again the LTV is 11.64 % at the time of this writing and I am current on my mortgage payments and I had never missed a payment. The bottom line is why should I need to go for an appraisal when the LTV is at 11.64 % compared to the original appraisal of the property and I do not think that the new appraisal will be below the principal balance which is far low. I am in total loss as to what kind of eligibility requirements I am supposed to have for removing the PMI when the LTV is at 11.64 %.? 

Please advise me. 

Thanks for your time. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Product: Debt collection

Portfolio Recovery Associates wrote me many years ago about a debt from XXXX  XXXX. The first time I verified they sent a bill. So I made arrangements to pay because I didn't know my rights at the time and I wanted it to be removed. I reneged on paying them because i thought do I really owe this debt? After years its still lingering on my report and now i did a little more research on how I have the right to validate the debt that they say I owe and the amount. I wrote them on XX/XX/2020 certified mail, requesting to validate the debt, its reporting on my report for {$1300.00}. Which the first letter I sent out XX/XX/2020 requested that. I notice that i received an email from XXXX that PRA flagged my account and on XXXX XXXX it showed that the account was removed from XXXX and XXXX. I called the bureaus XX/XX/2020 to confirm they said its still on my report. I called PRA XX/XX/2020 at XXXX XXXX I spoke Ms. XXXX XXXX she ask for my last four digits of my social to verify info, she said that they received my certified mail requesting validation and they sent out everything I requested. I recorded her, she told me that I owe XXXX, but on my report its reporting {$1300.00}. She was asking me, " how would you like to take care of this today ''? I told her I still didn't receive validation to make any arrangements. When i check the mail the next day I received a letter that said I can validate. They send me back correspondence dated XX/XX/2020 stating that they receive my correspondence and I have the right to write them and request substantiation.. Then I sent them another letter again on XX/XX/2020 to validate because at the time I did not receive what I asked for. A few days ago I received a letter from PRA with verification of a bill and their own summary. They didn't send me anything that I asked for. This is not validation.
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 XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I had unauthorized charges on my checking account from random strangers I didnt know that hacked into my account and sent XXXX payments to themselves. The totals equal {$7900.00}. I am working with truest bank in an investigation and Im hoping they will restore all the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021. I noticed suspicious activity on my account. I contacted Coinbase and had them temporarily disable the account. They assigned my problem as Case # XXXX and said they would investigate. Since then, my account has been dormant and they refuse to restore access to the account and restore access to my funds.
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.