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

I am submitting this complaint to address the violations and inaccuracies in the reporting of accounts on my consumer report by various companies. These violations infringe upon my rights as a consumer under federal law and have caused me undue harm. Below, I outline the relevant laws, supporting facts, and my request for corrective action. 

1. Collections Violations The reporting of collection accounts on my consumer report violates the following statutes : 15 U.S.C. 1692c : Prohibits improper communication of collection accounts to third parties, including consumer reporting agencies, without proper authorization.

15 U.S.C. 1692g : Requires debt collectors to validate debts and ensure the accuracy of the information furnished to third parties.

15 U.S.C. 1681e ( b ) : Mandates that consumer reporting agencies maintain maximum possible accuracy. The collection accounts listed on my report are unverifiable and inaccurate, requiring their deletion.

2. Violations of UCC 3-203 Under UCC 3-203 , the transfer of an instrument does not vest rights in the transferee if the transferor engages in fraud or illegality. It has come to my attention that the companies furnishing this information have transferred my account ( commercial paper bond ) in the secondary market, which violates the Securities Exchange Act of 1934 and federal law. Such transfers are prohibited without proper negotiation, indorsement, and compliance with legal requirements. The companies have not substantiated their rights to enforce these instruments, rendering their claims and reporting invalid.

3. Violations of Consumer and Investor Rights The inaccurate reporting practices infringe upon my rights as both a consumer and an investor. These companies have acted in bad faith by failing to : Substantiate the validity of the reported debts.

Disclose material facts about the transfer, securitization, or sale of my accounts.

Comply with applicable federal and state laws regarding the handling of financial instruments and the furnishing of information to consumer reporting agencies. These violations have caused significant harm to my creditworthiness and financial standing. I request prompt action to ensure compliance with the law and the restoration of accurate information on my consumer report.

Thank you for your attention to this matter. I am available to provide any additional information or documentation required for your investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Equifax, and XXXX are reporting 30 days inaccurate late payments for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 30 days for the months of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Equifax, and XXXX violating my Federally protected rights. To add to this, I did not give XXXX, Equifax, and XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, Equifax, and XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

We've talked to the furnisher & they've agreed to remove the account, but XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft TOYOTA MTR XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

XXXX XXXX Sent Debt to Collections of Overdraft Fees. 
Which should of Been Reclined as Payment Plan I was offered. 

I disbuted the Amount oweing I sent in Several bank Statements with this amount is conflicting with the one the Debt shows which is over {$500.00} difference Is sent to Collections again shows on my Credit Report Still getting monthly bank Statements from this Bank Now I have Garnishment of my Payroll and this has Caused me A Historical Catastrophic Financial Response Taking my pay out of 20 % Also XXXX XXXX XXXX XXXX XXXX i had 27 hrs taken off also I am now Facing Debt Home Utilites Vehicles Insurances etc etc Damaging Threatening Occuring The Bank gets there {$1100.00} while I am now facing Repossions More Debt Higher Intrests Credit Damage Behind in Payments for what something that happened of {$190.00} in the Beginning If they had only sent me proper Documents and correspondence I would of Known to Resolve I tried to go in there and Resolve Oh we cant your account is closed but why are you sending me Monthly bank statements..They rather get triple the amount Proven.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : 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
Product: Student loan

I would like a thorough audit conducted on my student loan account. I asked Navient to conduct an audit few years ago because I believe I was being charged a ridiculous amount of interest. I also submitted a complaint to the attorney general of the state of Connecticut which is where I reside. I have been out of school for almost 10 years and my student loan balance has almost tripled because of interest. I have no problem paying what I owe but I do n't think I should owe more in interest than the actual dollar amount that I borrowed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove are hurting my ability to obtain credit. 

XXXX XXXX XXXX Date XX/XX/XXXX {$300.00} XXXX XXXX XXXX Date : XX/XX/XXXX {$3100.00} XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

This debt is satisfied and should not be on my credit repost. Because there is nothing to report.
Product: Mortgage

In XX/XX/2020 I closed on a VA loan. Near as I can tell, the Escrow and Title company was ServiceLink Title Company of XXXX, LLC. 

This company now appears to be defunct? 

The problem began when ServiceLink Title Company of XXXX, LLC failed to do due diligence regarding the delinquent taxes that were owed on the property prior to closing.

It seems to me that there would be a conflict of interest having the Escrow and Title Company being one in the same?

This mistake should have been covered by errors and omissions insurance which the Title Company is required to have.

As such, there were delinquent taxes due on the property at the time of closing in the amount of {$1500.00}.

These delinquent taxes snowballed and with late fees and assessments, the amount owed kept growing.

I have spoken and corresponded with the parent company of the now defunct ServiceLink Title Company of XXXX, LLC. 

Although they seemed to be helpful initially, they will not respond anymore to my repeated emails. I have kept a record of all correspondence. 

Thank you, XXXX
Product: Credit card

i paid for a service with XXXX XXXX American Express.The service what i got from the merchant was not satisfactory but Amex could not help.They said the money has been transferred through XXXX and they can not file a dispute at all.I have to contact XXXX.
Product: Checking or savings account

I made an internal transfer by mistake from my Bank of America account to another account of the same bank. I reported it since I found out about the error and they told me that they would resolve it in 10 business days. If it was a direct transfer, there was no problem. 15 days passed. I called and they told me that they closed the case without any response and reopened the case and they tell me that 45 business days while the person who has the money in the account can spend it
Product: Debt collection

Letter of Intent [ XXXX XXXX ] C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] ** ** [ XXXX, XXXX ] ** ** [ XX/XX/year> ] -future **XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXon , DC 2022XXXX CC : EXPERIAN **Re : Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear -Experian, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ).

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency.

I am exercising my right to use lawful money to discharge the debt fully.

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : XXXX XXXX XXXX
Product: Checking or savings account

Unable to access online accounts for balances or to transfer money this XXXX around XXXX. 

Went in person to bank to get a check from account with greater than {$24000.00} in it and they were unable to access any if my account information. I tried to get a check for {$6500.00} for my contractor but the manager stated that she could only give me a check for up to {$750.00}. This is unacceptable. I can hit access any of my money. I also can not pay any of my bills including transferring money from my Wells Fargo checking to my Wells Fargo mortgage.

I returned to the same branch this afternoon and the employees stated that their systems were still down and they were unable to give me a time estimate for when their systems would be up and running again.

When I returned home I tried calling Wells Fargo and would have to wait in excess of 60 minutes to speak to a person. 

Unacceptable.
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed an unfamiliar/unauthorized/unvalidated account on My Experian credit report named " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/year>, I provided " XXXX XXXXXXXX XXXX XXXX XXXX '' a notice containing the following : " Provide all of the following information and submit the appropriate forms and paperwork back to me along with the Affidavit signed in accordance with your 28 United States Code Section 1746 within thirty days from the date of your receipt of this request for validation and proof of claim : i. Alleged Name and Address of Creditor : ii. Name on File of alleged debtor : iii. Alleged Account Number : iv. Amount of alleged debt : v. Date that this alleged debt became payable : vi. Date of original charge off or delinquency : vii. Amount paid if debt was purchased : viii. Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; ix. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters ; x. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect ; xi. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt ; xii. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note ; xiii. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity ; xiv. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable ; xv. Provide verification from the stated creditor that you are authorized to act for them ; xvi. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of your 18 United States Code Section 1341. '' In XXXX, I provided Experian with notice of dispute of the unvalidated account. 

On XX/XX/year>, I provided the CFPB with notice of the unvalidated account. 

On XX/XX/year>, I received an update from Experian regarding the disputed account stating, " This item has been removed from your credit report. '' On XX/XX/year>, I received an Experian credit report claiming the unvalidated account is in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with XXXX XXXX XXXX XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to XXXX supervisors today and I have been on at leasXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

I have called XXXX separate times in XXXX weeks and also chatted with a representative and received XXXX different answers. MOHELA has constantly changed the answers and information given to me. They refuse to clarify the process or expedite my concerns. I have met requirements for loan forgiveness at XXXX payments and the same approved employer. I was first told I was on a discharge list to be discharged within a few weeks, then told I was not on a list at all, then told on the list but 120 days. I need help please and to be told accurate information. I am eligible for immediate discharge and I do not deserve to keep getting different information and no help on this
Product: Debt collection

I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXXXXXX XXXX  XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXXXXXX XXXX XXXXXXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Product: Debt collection

This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help
Product: Credit card or prepaid card

I called netspend prepayment card and ordered them to clos all my accounts but every time i call them the acounts are still opened THEY STOLE XXXX out of my all acces acount
Product: Credit reporting or other personal consumer reports

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information posted to my report. Here is the list of items that do not belong to me or were opened without my permission 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 EQUIFAX : 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. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail.

I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 account
s or they need to delete the second account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX