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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including Experian, XXXX, and XXXX ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file. 

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 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.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX
Product: Debt collection

XX/XX/2024 - I received a call regarding payment, I attempted to move payment date due sudden loss, Payment date was not moved, attempted to talk about payment, I was berated the phone call, cut off constantly, hung up on. I attempted to contact them back no answer. 

XXXX Inquired about debt and ways to get it paid in a consistent in doable manner, was told the amount I wanted to pay wouldnt stop them from legal action. When trying to inquire about what that looks like, I was berated again, cut off. 

Im not able to get answers on my debt, Im not hiding or running from the company. Its like whatever I say to try to make something work, Im turned down. I have never been a situation like this before and Im looking for clarity. The more Im yelled at on the phone, Im nervous to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing in accurate information. with XXXX, XXXX and instead of removing the inaccurate information they have been removing inaccurate information and replacing information..
Product: Debt collection

From XXXX XXXX to present, today 's date XXXX XXXX, XXXX, Synchrony continuous to call telephone number. Synchrony also uses another name GE Money a pseudo for Synchrony bank. I have spoken to a Synchrony representative to stop harassing phone calls. Only a XXXX organization would call to collect or charge late fees on accounts during natural disasters Hurricanes Harvey, Irma and Maria. It is not the consumers fault the USPS mail is effected by the natural disasters. 
Synchrony aka GE Money stop violating The Rosenthal Act. Consumers being violated or harassed by Synchrony contact Consumer Financial Protection Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I leased a brand new XXXX through Ally credit company. In XXXX I paid my payment a little late and they applied it to the XXXX payment early. The next payment I made was applied to the XXXX payment, the next to XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XXXX bill. I was NEVER notified that my account was showing anything but current. In XXXX XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on XXXX  despite the fact that we 've disputed it several times.
Product: Vehicle loan or lease

XX/XX/year> denied for insufficient credit history and score which under the Equal Opportunity Act is illegal.
Product: Credit reporting or other personal consumer reports

Tonight, I found unauthorized inquiries on my credit report, and I have no idea why theyre there. I regularly check my credit report, but this time there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. This issue is very concerning, and Im requesting that the documents Ive submitted be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Mortgage has placed an incorrect status on my credit for my mortgage loan with them. My credit pulls up with a notation of " impacted by natural disaster ''. I originally addressed this with PNC Mortgage and there escalation department - Rep. XXXX in late XX/XX/2020. On XX/XX/2020 XXXX confirmed that the credit department will be removing this status from my credit report. I confirmed with XXXX that I am not being impacted by a natural disaster. As of XX/XX/2020 this label still remains on my credit. My payments are made each month and my mortgage payments are current.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to Experian, Equifax and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have copies of all my correspondence that were notarized and sent certified  mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Product: Mortgage

I'm XXXX I tried to work with them I went to a remodification hearing they turn me down and they told me I had to get out my house
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transunion and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a auto loan opened with XXXX XXXX in XXXX XXXX XXXX  and a credit card opened with XXXX XXXX in XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent, hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity, theft and fraud. I have attached a copy of my FTC identity, theft criminal complaint as proof from the US federal trade commission that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud.

I am attaching my FTC Fraud Affidavit, XXXX XXXX Police Fraud Affidavit, a copy of my drivers license and my social security card.

I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, Transunion and XXXX credit reporting agencies block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided
Product: Mortgage

I have been over paying my monthly mortgage payment due to mid calculations by servicer. This was brought to my attention by servicer while I was having issues with trying to make online payments. Since then I have spoken to XXXX least 10 different supervisors about the adjustments they said they were going to make and nothing gets done the last lie I was told was there is a work order in process and would be straightened out in XXXX XXXX i was told my mortgage will be over 250 dollars cheaper a month and I would be issued a check for all overages. Ive left numerous secure chat messages and have gotten no reply. I then call and explain the whole scenario again and then Im told different stories and empty promises of call backs and any follow through. They are holding money that is not theirs snd i want to press charges for stealing. Im told that they dont know what supervisors ive spoken with because the people that make the notes on my file only use their initials then they promise to correct issues and tell another lie.
Product: Student loan

I was enrolled in a 6 months plan that ended in XX/XX/XXXX and I reapplied for another six months and was told that I was approved at a 6 % interest plan and it would take effect after 3 payments and after I made the third payment I called because the interest rate did not lower from 18 % and someone from Navient told me that my 6 month plan was never approved but that I qualify for interest payments only. I am so upset that they lied to me for months over the phone, always telling me that " next month '' my interest would be lowered and then it never happened. How can they get away with lying to me for so long. I have been paying my loan since XXXX and sometimes they even automatically would put it in forbearance without my permission, they have lied so much and prolonged my payments. It is not right for a company to do this.
Product: Checking or savings account

Regarding Claim # XXXX On XX/XX/2021 there was an Unauthorized Money Transfer of {$4200.00} out of My Bank of America Account ending in # XXXX to a Unknown Account without My Knowledge or Permission. 

I was notified Immediately of this from a Alert I chose to add just in case something like this might happen Regarding My Account. 

The Alert said Congratulations Your Money Transfer was Successful. 

I did Not Authorize this Transfer or the 5 Unauthorized Transfers that I had before that were Transfered without My Permission and all were Returned Successful when I filed a Claim Immediately upon notification of Unauthorized Electronic Transfers. 

When this happened on XX/XX/2021 I Immediately Reported it to Bank of America Claims Department like I have the previous 5 times. 

I did not Consent or give Permission at any time for My Funds to be Transferred out of My Account to some Unknown Account that I don't know where or whos Account it belongs too Now 6 months later I'm still without My {$4200.00} that was Unauthorized Electronically Transfered. 

Bank of America is Not Coraperating with Me regarding Return of My Unauthorized Money Transfer. 

I filed and Submitted a XXXX XXXX Police Report, just like Bank of America Suggested.

I only use My Phone when doing Business with Bank of America and If checked it will show My phone was never used to Transfer Money. 

Bank of America has had plenty of these same Unauthorized Electronic Money Transfers so why are they saying it was Approved so No Error Occurred. 

It was Not Authorized by Me and I filed a Claim the Moment I was Notified. 

Since it was end of XXXX and We know XXXX and XXXX are Big Holiday Months My Claim was not given Full Priority or given much into Investagateing this Crime. 

As of Today I'm still asking Bank of America to Correct this Error that only they could of Prevented. 
and Reimburse My Account back to the XXXX that was Criminally taken from Me on XX/XX/2021. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX
Product: Debt collection

XX/XX/2019 I contacted Transworld System to advise them that they were reporting 2 debts that was paid by insurance. One for the amount of {$1800.00} and the other for {$83.00}. Transworld stated they would get validation of the debt amount and remove it from my credit report. I made sure they were aware that they had no longer than 30 days under FCRA. I was more than patient and contacted them again in XXXX both by mail and phone. XXXX XXXX a supervisor at Transworld stated that as of XX/XX/2019 they still had not validated the debt and refused to remove it until they received proof from the medical billing company. They have a total disregard for both federal and state laws as well how this is impacting my credit.