23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX XXXX ; Infiniti Financial ; Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card

I am writing to file a complaint about my Bank of America credit card ending in XXXX. On XX/XX/XXXX, I was involved in a XXXX XXXX that required me to be XXXX XXXX XXXX XXXX. This unfortunate event significantly disrupted my life. Thankfully, I survived and am now working hard to get back on my feet. 

On XX/XX/XXXX, I contacted Bank of America to inquire about my due dates and was informed that I had until XX/XX/XXXX to make a payment. Due to my physical condition and Bank of Americas policy of not accepting cash deposits through third parties, I was unable to send someone to deposit funds into my checking account on my behalf. 

I proceeded to deposit funds this week on Monday and attempted to make a payment through the Bank of America app, only to find that my account had been closed. This was contrary to the information I had been provided earlier. 

I have since paid the overdue balance to bring my account up to date. However, I was informed by Bank of America that they can not do anything to reopen the account, despite the assurance I received on XX/XX/XXXX that I had until XX/XX/XXXX to make the payment. 

I am requesting that my account be reopened and updated accordingly, as I received conflicting information from Bank of America representatives. I believe this situation warrants further investigation and resolution to prevent such issues from occurring in the future. 

Thank you for your attention to this matter.
Product: Credit reporting

Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :
Product: Debt collection

XXXX XXXX XXXX sued me using XXXX XXXX firm for a very old debt that was not signed in the State of Arizona and the debt was cancelled in a Class action settlement with Santander who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX, I XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Missing Refunds XXXX XXXX XXXX Affirm Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both XXXX XXXX XXXX  and Affirm. The issue concerns multiple refunds that were processed by Affirm but have not been credited to my closed XXXX XXXX account. 

Background : On XX/XX/XXXX, Affirm processed several refunds to my XXXX XXXX account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed Affirm about the closed account. Despite this, Affirm confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted XXXX XXXX and provided them with these reference numbers to locate the refunds. However, XXXX XXXX has repeatedly stated that they have not received any funds related to these transactions. 

Details of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - XXXX XXXX Account Number ( now closed ) : Ending in XXXX - Affirm Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that XXXX XXXX and Affirm are responsible for ensuring that the funds are properly accounted for and returned to me. 

In the message from Affirm, they indicated that if XXXX XXXX is still unable to locate the refunds, I should provide them with a document from XXXX XXXX on their official letterhead confirming this. I have requested this from XXXX XXXX but have not received a satisfactory response. 

It's been XXXX month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX  VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX VIA DEALER, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/LEADB - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XXXX/XXXX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XXXX/XXXX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting

Equifax is allowing XXXX and XXXX XXXX systems to report the same account twice on my report. Both are for the same dollar amount and are the exact same debt from Hamptons at XXXX XXXX. I told Equifax which has already admitted the error, and they have done nothing to get this fixed. I 've disputed these accounts 6 times over the past year and was finally told that the account numbers are different which prevents them ( Equifax ) from removing the inaccurate info on my report. I was then instructed by the associate on the phone to contact CFPB to report this ILLEGAL credit reporting. I am contacting an attorney in regards to this matter because it has caused a huge issue in my personal life. Please feel free to contact me regarding this matter. XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

order company to cease all phone communication & send it thru the mail and they continue to call me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX and XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My id was stolen and I presented XXXX with the evidence and Police reports and yet they still are not removing the Fraudulent accounts
Product: Mortgage

My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my Equifax credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX  '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with Equifax and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Product: Credit card or prepaid card

I have written twice to Wells Fargo concerning their continuing to report negative information beyond the 5 year statute of limitation ... Additionally, I have requested documentation as proof that I was ever late on this account. They continue to stonewall me. 

The FTC issued a CASS opinion many years ago that reporting of derogatory information on a credit report is deemed to be a collection action. Since the balance of {$440.00} is no longer legally collectible, it is a violation of the Fair Credit Reporting act to continue to show this item on my credit report. 

Please have them delete this item in its entirety as it is both inaccurate and unverifiable. 

Thank you.
Product: Credit reporting or other personal consumer reports

I understand your frustration with the fraudulent inquiries appearing on your consumer report, which are not associated with you in any way. As a victim of XXXX XXXX, this issue has caused you significant mental and financial distress, hindering your ability to achieve important financial goals like purchasing a home and providing for your family 's needs. 

I want to assure you that I take this matter very seriously. Having inaccurate and fraudulent items on one 's consumer report can have far-reaching consequences, and it is unacceptable that this situation has substantially impacted your financial well-being. 

Thank you for providing a copy of the letter you previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution. I appreciate you following the proper procedures and making multiple attempts to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was was an over due balance in which i negotiated with there credit company and came in to a negotiation to have completely removed upon the the completion of the negotiatiated amount once i finished paying the agreed amount instead of removing from my credit report they put the closed account as a charge off.
Product: Debt collection

On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating they had purchased debt owed by me to XXXX XXXX  XXXX. According to their records the debt was purchased on XX/XX/XXXX. I did not immediately respond believing the account had been settled. On XX/XX/XXXX I spoke with a XXXX XXXX and stated I believed this was a mistake and disputed it verbally. She advised me to log into the collection account and dispute the validity of the debt and I did as instructed. I received a follow up call from a XXXX XXXX (? ) and I informed her I had filed a dispute with them online. She told me she would update my file and I have not been contacted by phone since. In XXXX of XXXX I received a letter telling me my dispute had been rejected and I owed on the account. 

I then contacted XXXX XXXX XXXX  who had handled my debt resolution between the dates of XX/XX/XXXX through XX/XX/XXXX. I was provided a copy of a cancelled check as proof of payment which I then provided to PRA and disputed the debt again.Once again my dispute was rejected. Aggravated, I chose to do nothing further until after the holidays.Due to a series of life and health event, I did not start to address this issue again until XXXX of XXXX. 

On XX/XX/XXXX, I again disputed the account and provided a copy of a settlement agreement provided by XXXX and a copy of funds dispersement ledger. I did not provide a second copy of the cancelled check since they were already provided one. XXXX XXXX I received a letter informing me, yet again, my dispute had once again been rejected. I was provided a copy of a letter that was supposedly from XXXX XXXX  validating the debt. I question the validity of this letter for several reasons. First, it is absent of any form of letter head that anyone would expect from financial institution the size of XXXX XXXX.Two, how or why would they provide a letter of validity with an incorrect account number? How were they able to verify anything without making the correction to the incorrect account number PRA provided? Finally, the page layout, font and QR codes in the upper corners of the document give me reason to question its validity. 

I have also filed disputes with the 3 credit bureaus in XXXX of XXXX and again in XX/XX/XXXX. They have done nothing other than update the information provided to them from PRA. 

All that being said, there is a simple explanation to the problem but PRA nor the credit bureaus have done their due diligence. As a matter of public record, XXXX parted ways with XXXX XXXX and was replaced by XXXX XXXX. XXXX  XXXX then acquired XXXX existing credit cards receivables portfolio which included current and delinquent accounts. When XXXX negotiated my XXXX settlement, funds were dispersed to XXXX XXXX at the agreed upon dollar amount and deposited/cleared on XX/XX/XXXX. XXXX sold this account on XX/XX/XXXX, nine days after it was settled with XXXX XXXX. I can not owe both.I am stuck in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XX/XX/XXXX. Now we received a debt letter which we received XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are continuing to report incorrect information on my credit report. 

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account.

I sent 3 letters to the creditor. I received one response stating they are not obligated to give me any information or validate their claim.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived
Product: Mortgage

I'm currently in XXXX  XXXX bankruptcy. In XXXX of XXXX  my servicing company BSI Financial submitted a letter to my attorney and the trustee claiming that I had arrears in the amount of {$3500.00}. They were unable to explain where the arrears came from since the loan had transferred from XXXX to BSI. I paid {$4500.00} which was the arrears plus my payment for that month. After that the company claimed that i still owned them additional backpay. I called several times and spoke to my account manager XXXX. She was unable to tell me why i owed additional money and said that she would order a payment history ( which i was told usually takes 24 hours ) then never contacted me back. I contacted them again and she told me it looked like the funds were not applied but were with their legal department. I was not contacted again and have since made every monthly payment on time. I since have sold my house and went to get a new mortgage loan. Upon applying for the new loan BSI financial said i've made every single payment late and that i was 1 month behind with no explanation of how i was a month behind. This is preventing me from getting a new mortgage or rental property and i'm going to be homeless. My title company had to contact them 7 times to get payoff information. Every time the title company was told that it had been ordered and they would receive it in 24 hours. Finally the 7th call they were told they need to submit a PDF form requesting the payoff which they were never told before. Much like my experience with BSI the company was irresponsible gave lack of information and ignored the request for resolution. This further provides evidence that my issue is not isolated to me. I've paid every payment monthly for 1 year on time which is the requirement to get a new mortgage loan and just now learned that i am somehow 1 month behind. How am i behind after a {$4500.00} catch up payment?! I'm now unable to get a new mortgage because of this company 's incompetent staff and poor records keeping/communication. I was never contacted by my account manager XXXX or by BSI to inform me that i was 1 month behind and every time i called i was never told that i was behind. Just that the funds had not been applied from the catch up payment.