23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 
Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES NOT MINE : XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Dates : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been a customer of Barclay since XXXX  and have had more than XXXX payments, none late. In XXXX I noticed an email saying my account is seriously past due. I don't use this credit card very often and don't typically monitor my personal email. I was confused as I pay this account via a paper statement and don't recall seeing that. I tried calling on several occasions and had a tough time reaching a person to talk to. I was routed to collections apparently and treated like a deadbeat. I paid right away and learned later that somehow I missed a statement for a {$25.00} balance. This quickly escalated to {$97.00} with in late charges and interest. During this time, our region was in the midst of a devastating flood event for most of our XXXXXXXX XXXX region and I became a XXXX XXXX XXXX Barclay 's steps taken alone reduced my credit score by XXXX points to XXXX. 

Here is the request for assistance that I sent to VT XXXX XXXX : 11 days agoDetails Hello XXXX XXXX  I'm writing to you hoping you can help a situation that Im challenged by. Here are details : RE : Barclay Advantage MasterCard XXXX My credit score is something I closely manage and have been aiming for an XXXXXXXX credit score. It had been XXXX most recently except for a recent issue with the referenced account that plunged my credit score XXXX points to XXXX. I'm not sure that my credit score had ever been this low. 

I don't use this credit card very often and was very surprised to see a personal email saying my account was seriously past due. I don't use my personal email very often. This credit card was supposed to be set to paper statements. I have had great difficulty trying to access this account online and finding someone to talk with when I call the help line. I spoke with someone there today who said I've had 18 late in payments since the account was opened with them. My reply was that I had had a credit score of almost XXXX, with a very strong payment history with everyone. 

I'm attaching the statement for period XXXX. I don't believe I received this account statement, so responded with full payment when I noticed the " You are seriously past due '' in an email. Each of the last two statements charge {$30.00} or {$40.00} + interest on very small balances. My credit history has been very adversely affected. 

I'm really hoping you can help. I have other credit card statements, but I'm concerned that other people are also receiving this bad treatment. 

Please let me know if I can tell you more. 
Thank you for any consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX XXXX cell XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. THey are supposed to respond with the results within 30 days. I received my responses from XXXX and XXXX XXXX weeks ago, but I have still yet to receive anything in the mail from Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account is associated with the following entity : XXXX  XXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report from Experian, XXXX, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. Experian, XXXX, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Product: Checking or savings account

On XX/XX/2021, I called customer service at M & T Bank, where I have a checking account. I asked about the policy related to the negotiation of a USPS money order. I was told that maybe the XXXX, Maryland branch would cash it, but my funds could be held for up to five days. I attempted to cash the {$1000.00} USPS money order at M & T Bank, XXXX, Maryland. First, the cashier said that she could not cash it. The manager then stated that I could deposit the USPS money order in the ATM and withdraw {$250.00}. I deposited the money order and was not able to withdraw {$250.00}, so the manager overrode the system, giving me {$250.00}. However, this caused my account to be overdrawn. 

I then received a highly offensive letter from M & T Bank dated XX/XX/2021 stating that " We have information that indicates that the check may not be paid '' -- essentially accusing me of the unlawful act of attempting to pass a fraudulent money order ( they referred to it as a " check '' in this offensive letter ). This offensive letter further stated, quite falsely that, " These funds will be available on the 5th business day after the day of your deposit. Ten calendar days and seven business days have passed, and I still do not have access to my funds. M & T 's app and website both indicate that I have an available balance of $ XXXX, yet when I attempted to transfer funds to my other bank account, I received an extremely offensive email that fraud had mostly likely occurred on my account. 

I called M & T 's customer service again. The agent " promised '' me that my funds would be available by the morning of XX/XX/2021 -- erroneous and false information. Relying upon this false statement XXXX, once again, attempted to transfer funds to my other bank this morning, XX/XX/XXXX. I was unable to transfer my funds as they are still not available. 

Since depositing my USPS money order, each time I have attempted to access my account, whether via the app or the website, I am asked security questions. This is also quite offensive to assume your customer is a criminal for depositing a financial instrument. 

I called customer service, yet again, this morning. I spoke with the first helpful customer service agent, a supervisor named XXXX. She informed me that although I had received assurances that my funds would be available, a fraud investigation has been launched and she did not know when my funds would be available.
Product: Debt collection

I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Product: Student loan

The congress passed legislation that indicated no interest to be charged on federally secured student loans as of XX/XX/XXXX. I made my payment for my XX/XX/XXXX due payment and the history shows the same/similar amount of interest charged month over month for same amount paid. I have asked Navient to provide a breakdown of interest charged for the loan and they have responded but the response is very limited in information. My account number is XXXX and I have 3 loans with them all under the category of FFELP. I got my loans as federal subsidized student loans and the explanation provided is that my loans are not owned by the department of education. What does that mean? Have my loans been sold to a private entity? I will write my congressman and senators as this is not what I understood my loans to be backed by.
Product: Money transfer, virtual currency, or money service

XXXX I clicked on a link on XXXX that was a search result when I was looking for XXXX support phone number : XXXX : XXXX? XXXX XXXX XXXXXXXX % XXXX % XXXX & XXXX. While speaking with them ( XXXX ( XXXX ) XXXX ) to get an XXXX XXXX  recovered, we tried identity verification methods that werent working. They had their fraud department call me ( XXXX ( XXXX ) XXXX ) and they said they were able to look into my account and see that there are fraud charges from bitcoin on the cash app account linked to the XXXX XXXX  and the XXXX XXXX  is locked. They had me download iperius app so they can remote in to my phone. They took over and removed my bank from my cash app and added a card saying its my XXXX XXXX virtual card. I informed them I did not want to do this but they had control of my phone and cashed out my full cash app balance ( {$6600.00} ) to a green dot bank card they added. They said XXXX XXXX  is the bank that XXXX uses. That card is not my XXXX XXXX nor do I have the card in my possession. It has since been removed from my cash app but I have the last four digits ( XXXX ). They did an instant cash out. Once I realized it was fraud/scam, I immediately contacted cash app. I have been waiting for two days to hear back. I also filed a police report with XXXX XXXX XXXX : XXXX The cash app account is under " XXXX XXXX '' which is my maiden name. I recently got married and my last name is now XXXX. My cash app tag is XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Today I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I believe my first missed payment was XX/XX/XXXX XXXX let them know that I was no longer working and that I was expecting a settlement and that when I go my settlement I would pay them their money. And XXXX of the thing they told me was if I had any problem that they would work with me. Which turned out to be a lie they keep calling me texting me sending me letters.Today I told them this again XX/XX/XXXX XXXX.
Product: Mortgage

A representative of Rocket Mortgage, XXXX, contacted me about a prequalification. I stated on a recorded line multiple times that I did not want my credit pulled as we had not even began to look at houses. After the call was terminated, my credit report and my wifes credit report was pulled by Rocket Mortgage. I immediately called and demanded to know why my report was pulled without permission. I received an email stating they would investigate, and have not heard back. Since the call, I have multiple alerts that my credit report is being pulled.
Product: Checking or savings account

I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  XXXX  ACCT. # XXXX DEPTEDXXXX XXXXCCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX  ACCT. # XXXX USDOE/XXXX  ACCT. # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

On multiple occasions i attempted to reach my mortgage servicer Newrez. All of the phone numbers listed on their website XXXX XXXX XXXX XXXX  are unreachable/disconnected. I then attempted to reach them using their contact form on their website over a week ago and there has been no response. At this point I am worried that this company is acting in a fraudulent manner. 

They sent me a packet in the mail with a letter informing me that I recently asked for mortgage assistance. I never requested mortgage assistance. I do not know why they sent this packet, and I feel that I should be able to communicate with this company. I don't know if there's some kind of fraud happening, but It's not a good sign that all their phone numbers on their website are disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with TransUnion and XXXX. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent TransUnion a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, TransUnion tried to make a {$25.00} payment on said debt without my authorization.
Product: Credit reporting or other personal consumer reports

Recently, I became aware that child support information has been included in my credit report and/or public records. This information was shared without my consent and is unrelated to any credit inquiries or transactions I have authorized. The disclosure of this information has had a negative impact on my credit profile and potentially exposed sensitive personal data that should have been protected.

According to 15 U.S.C. 1681b, consumer reporting agencies are only allowed to furnish information for specific and permissible purposes, none of which apply in this situation. Additionally, under 15 U.S.C. 1681s-1, government agencies are responsible for safeguarding consumer information, and I believe this obligation has not been met in my case.
Product: Credit reporting or other personal consumer reports

I am writing this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. To my dismay, it has been 8 ( eight ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. Please delete this account : XXXX - XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found several accounts opened in my name that did not belong to me. On XX/XX/XXXX I sent a letter to Experian requesting validation of debts on my credit report ( XXXX XXXX, XXXX XXXX, XXXX XXXX, EXXXX, XXXX XXXX  and XXXX XXXX XXXX ). Experian received my request XX/XX/XXXX, but did not respond within 30 days or after. 
I sent a second letter on XX/XX/XXXX asking for the removal of all debts disputed considering there was not a response within 30 days of the return receipt. Experian received this letter XX/XX/XXXX and did not respond within 30 days yet again. However, I did receive an updated credit report with only half of the disputed accounts removed ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I sent a third letter on XX/XX/XXXX asking for the removal of the remaining accounts considering they failed to respond to my disputes on XX/XX/XXXX and XX/XX/XXXX. Experian received this letter XX/XX/XXXX and sent me a response XX/XX/XXXX stating, ..items disputed were verified as accurate. I also sent a dispute letter, XX/XX/XXXX to XX/XX/XXXX, to the remaining collection companies ( XXXX XXXX, XXXX XXXX and XXXX XXXX ). I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

Experian received a fourth letter from me, XX/XX/XXXX requesting a signed copy of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to ..promptly delete all information which can not be verified. They sent me a letter stating, " ..items were verified as accurate. '' I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. If there is no viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( Experian ) or the Debt Collectors then all of the disputed accounts should be deleted immediately from my file. Since XX/XX/XXXX I have not been given any proof of how their investigation was conducted or completed which is a violation of Section 611 ( a ) ( 7 ). My request for reasonable documentation, confirming my authorization to open the account  with my signature, is warranted and not unreasonable.
Product: Debt collection

I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) are reporting ( late payments ) inaccurate information and are in violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A )
Product: Debt collection

I ask Portfolio Recovery Associates to validate a debt that I supposed to own. They never did. I mailed a letter out certified onXX/XX/2023. it is now XX/XX/2023 and I never received anything in the mail. They are still trying to collect on this debt, without providing any validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX and XXXX  XXXX
Product: Mortgage

I requested a forbearance plan in XX/XX/XXXX due to hurricane Irma for a term of 3 months. I was told they would just add the 3 months to the end of my loan term. Then I found out on XX/XX/XXXX during the modification process they paid my property taxes in the amount of {$1200.00} and forced me to have a ecrow account if I modified my loan. I was told on that day that if I sent a faxed letter to them that they would cancel the modification of the loan and the escrow account. I also needed to pay back the 3 mortgage payments back which I did on XX/XX/XXXX in the amount of {$3200.00} I faxed the letter and documents to them on XX/XX/XXXX and repaid the taxes in the amount of {$1200.00} on XX/XX/XXXX. My account is still showing an escrow of {$410.00} per month on my statement that I just received dated XXXX, which I did not approve and requested cancellation of. I have sent another letter to customer service the end of XX/XX/XXXX but no response. I just want my mortgage payment back to XXXX monthly payment with no escrow account. I believe they never applied my payments for the taxes correctly either. I have called several times and can not get this resolved.