23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof on how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information on my credit report. I have a listed the items that once showed they were removed now their back. I tried to speak with a TransUnion representative on XX/XX/2018, trying them know that my credit score alerted me and dropped down inquiries were gone one month and then the next thing I know there back on there. Ive been trying to contact the company but its stating that their closed even when their time says their open, I even called today which is XX/XX/2018 it says their closed and im highly frustrated at this point. So it seems like no one is trying to help and seems like that there's been some activity with my TransUnion reports inquiries that are being misused cause they showed back up. I never received any information as in a letter or anything to why I just know when I looked at my credit report which I do only a daily basis, one day everything was wiped out and customer service seems to not want to help my situation with them being back on there and this is affecting my credit score. 

The inquires are : 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 I am requesting that the item be removed to correct the information of being deleted.
Product: Mortgage

Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  requesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both ChexSystems and XXXX XXXX XXXX about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to XXXX XXXX XXXX  which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both ChexSystems and XXXX XXXX XXXX to investigate this matter. Both came back and stated that their investigation with XXXX XXXX XXXX  has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response letters.
Product: Credit card or prepaid card

My credit card from Comenity bank for XXXX was lost or stolen and used without my authorization. They charged up about {$1200.00} in charges. I hadnt used this card in over 2-years. I didnt realize there was even a balance until I received a call from them stating my payment was late. I went online and notified them immediately that this card was fraudulently used. They then denied my claim stating there was No basis to support a claim and provided no additional supporting documents. They then reported my late to the credit Bureaus and negatively affected my credit and refused to fix it even when I called them and filed a dispute with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. XXXX XXXX XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint
Product: Debt collection

Debt collector sent a letter claiming a balance from cable company was owed and has went to collection. Called cable company, they said there is no balance due on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX 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: Mortgage

My mortgage servicing was purchased by MidFirst Bank, acting through it's division XXXX XXXX  and was transferred on XX/XX/2018. It is now XX/XX/2018 which is 126 days since transfer and I've made five mortgage payments ( XX/XX/XXXX-XX/XX/XXXX) to XXXX XXXX. XXXX XXXX has not reported any of these payments, or the existence of the account, to any of the three credit bureau 's and it is negatively impacting my credit score, as it shows my previous mortgage account as closed in XXXX and now appears as if I have no active mortgage account. 

I contacted customer service via phone in mid-XX/XX/XXXX and was assured that my payments and this account would be reported to the credit agencies on XX/XX/XXXX. This did not occur. 

I emailed customer service on XX/XX/XXXX and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency Experian, failed to do a proper investigation for disputes I have sent to them on XX/XX/2022 & XX/XX/2022. The company has received these handwritten letters and has failed to provide me with a name, address, and telephone number of each person contacted regarding alleged accounts. I have also requested documents bearing my signature showing I have a legal binding contractual obligations to pay them the exact amount claimed owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a report back that I have serious delinquency and i want to know why
Product: Mortgage

I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a personal loan account opened aXXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I attempted to access my XXXX account with USAA as a routine checking of funds. ( My wife had already accessed her XXXX account at the same institution without problems. ) I was prevented from accessing my account online until I answered several questions. They included questions about the amount of my net worth, my annual income and whether I was a foreign agent. 

I called the customer service at USAA immediately to find out why my access was prevented online to my account. A representative informed me that a division of USAA ( called MOET ) required me to answer those questions or they would close my account. I protested that I did not necessarily want USAA to have direct knowledge of my net worth or annual income. Because it was a Saturday, she suggested I call back on Monday to discuss the situation with a MOET employee. My access to my account was withheld. 

On Monday, I called USAA again and spoke with a representative of the MOET division. She stated the Patriot Act required that they ask those questions. She further stated the Federal government required all banking institutions to do this. I protested that no other banking institution I dealt with had asked for this information. I asked to speak with someone else, but she stated no supervisors were available due to the holiday ( XXXX XXXX ). She stated if I did not complete the questions that my account would be closed. I had my wife talk with her as well and she told her the same thing. We told her we were retired XXXX   XXXX  and all the money in the accounts came from our paychecks while XXXX  XXXX. We were not foreign agents of any kind. Eventually, my wife told her we would answer the questions, but the answers may or not be true. ( We did answer truthfully that we are not foreign agents. ) We both believe that USAA violated our rights by conducting what amounted to an unlawful search and seizure of our information. They held my account hostage to this.
Product: Credit reporting or other personal consumer reports

I have identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has failed to ensure are reported accurately.

Under the Fair Credit Reporting Act, all information on my credit report must be reported with 100 % accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting.

Attached are copies of all correspondence previously sent regarding this matter. I request that you promptly remove all inaccurate information from my credit report as required by law.
Product: Credit reporting or other personal consumer reports

ar [ Credit Reporting Agency/Creditor Name ], I am writing to formally dispute the reporting of the charge-off account associated XXXX XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Florida ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 
2. Authenticated Evidence Based on [ FLORIDA ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. 
Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 
3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report.

In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. 
The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Product: Credit card or prepaid card

In XXXX, I had my air conditioner replaced by XXXX XXXX XXXX. I paid them over {$1400.00} outside of my warranty for duct work and other items. I paid for this on my Barclays Aviator MasterCard. Two weeks later, the unit malfunctioned and was not working. It was over 90 degrees in my house. They were unresponsive by phone, their emergency line, email and XXXX. Another company had to come repair he unit and told us the wiring was not grounded properly which caused them to start on fire and short and then they melted together and the unit wouldnt work. We were told that our house could have burned down. The repairman from the 2nd company also told us that the duct work completed was shoddy and we needed to have it fixed. I told this to XXXX XXXX XXXX, the first company, and again they were unresponsive so I filed a dispute on my credit card for what I paid them so I could hire someone to come fix the duct work. I dont know the exact date but they wanted all of my documentation and I sent it to them. They received it on XX/XX/XXXX and have been reviewing it for two months with no progress. Ive been told several times that it was being escalated. Ive been getting the run around for months and I need help. They have a lot of information that I sent to them for documentation. They say XXXX isnt responding to them which is the same issue I had with the company. They wouldnt even respond to my XXXX XXXX XXXX complaint. I told XXXX from the disputes department today that I was filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i begin calling to request 15 u.s. code 1681c on all hard inquiries bein reported on my credit report. In XXXX i paid a company XXXX XXXX XXXX XXXX XXXX to get the exact same hard inquiries removed that had been popping up and continued to be repeatedly reported as new inquiries on my report. nothing was removed in XXXX, so in XXXX i myself called and wrote letters with these same request, all were ignored by XXXX, XXXX and experian removed some things but not all. so i again in XX/XX/XXXX i hired XXXX to dispute these things that were not only being reported on my credit report still but they were being reported with updated dates as though they were recent and not already old, over the phone i was cursed out, told to hush, and hung up on, still no results, at this point i don't know what else to do, but i would like all hard inquiries and collections to be removed from my credit report due to section 15 U.S. Code 1679c. They have violated section 15 USC 1681b, i did not consent to any of those and have correctly multiple times asked for an investigation to be done only to be told it was all correct and the original dates on them to be updated as to last even longer on my report.
Product: Checking or savings account

Since late XX/XX/XXXX I have been in an overdraft cycle with Wells Fargo. I have called several times explaining I am in a bad cycle and they are making it worse and sustained by levying O/D fees. The issue has been escalated and the bank is not helpful. The executive department has not returned promised calls. 

The ordering of transactions, deposits, and w/d has been advantageous to the bank. Many of the deposits I made to keep my bank balance positive have been eaten up by overdraft fees. These fees have kept me from functioning, have preventing me from eating sometimes, and have caused complications in getting to and from work. 

I am tired of making deposits to go to fees. I would like these fees refunded they have been excessive.