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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged late payments XX/XX/XXXX XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the information regarding a late payment on my credit report for the account XXXX XXXX XXXX XXXX XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX I received a response indicating that the late payment was verified, but I have not received any written proof of this verification as requested, nor was I informed of the method used for verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to a reinvestigation of my dispute, and I request that you provide me with the following : 1. **Written Proof of Verification** : Please provide copies of the documentation that was used to verify the late payment information. 
2. **Method of Verification** : Please describe the method used to verify the disputed information and provide the contact information for the entity that verified the information. 

Without proper documentation and explanation, the disputed late payment can not be considered verified under the FCRA. Please either provide the requested documentation and details of the verification method within 30 days, or remove the late payment from my credit report. 

If this issue is not resolved to my satisfaction, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights under the FCRA. 

Please confirm receipt of this letter and provide a timely response. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a dispute for unauthorized transactions on XX/XX/2021. The amount was XXXX that dispute was denied twice. And they have video of transactions being committed by some one else. I have tried to resolve the issue with the bank. But they denied me. ( Bank Of America ) i have sent them the police report and identity verification.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Jefferson Capital System, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached
by Jefferson Capital System , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Jefferson Capital System, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Jefferson Capital System , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX company on XX/XX/XXXX. Without my knowledge or my consent the loan 's ownership was transferred to a company called XXXX XXXX. I can not find any information on this company online or anywhere else. I have never received any correspondence or documentation from XXXX XXXX. I was told XXXX XXXX XXXX continued to service this loan. The current creditor is listed as XXXX XXXX. I was informed that XXXX XXXX XXXX is the new servicer of this loan. Real Time Resolutions has requested the letter regarding the transfer of ownership from XXXX to XXXX XXXX, as of XX/XX/XXXX XXXX is still awaiting a response from XXXX XXXX. Additionally, I believe this is a time-barred debt. RealTime Resolutions just sent me a letter that there is a lien on my property. I need to see the letter notifying me of the transfer of the loan from XXXX to XXXX XXXX. My account 's current creditor is listed as XXXX XXXX ( I have no knowledge of this company ) and the account 's original creditor is listed as XXXX.
Product: Checking or savings account

i was called on my landline on XX/XX/2022 by a person claiming to be a XXXX representative they had me use XXXX to transfer money somehow they were able to get into my bank of america they made 6 transactions several different amounts i was sent 6 text messages claiming to be from bank of america to transfer money through XXXX  they claimed the texts were authorization codes which in turn i was instructed to put in a amount column i was unaware i was adding to amount column bank of america called me about a hour later and said they detected fraud on my account they were able to block 5 transactions but the first one for XXXX went through because it was the first one from someone named XXXX my claim # is XXXX i am looking to recover money that was withdrawn from my BOA account illegally can you help me bank of america needs documentation presently my XXXX XXXX account is locked i will be able to provide text numbers sent to me on XX/XX/XXXX but in order to reveal nature of texts i need to file a supena from county court judge which i hope to be able to do in the next day or two do you need more information to help me with this claim thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like for LVNV Funding LLC/XXXX to provide documentation that supports the reason why this account is reporting. Where is the permissible purpose I gave for account to report. If you cant provide documentation with my signature, please remove account from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$840.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX  XXXX {$480.00} XX/XX/XXXX XXXX  XXXX {$6900.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 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

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

They told me to fax an pics I did it multiple times I am tired dealing with equfax file lawsuits
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. Please resolve this matter immediately.
Product: Mortgage

I am attaching more documents. I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/2019, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. MyXX/XX/2019 payment was due. On,XX/XX/2019 I paid the XX/XX/2019 payment on XX/XX/2019 which put my account into a current status. My next mortgage payment was due on, XX/XX/2019  The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/2019, just days after my account was put in current status the troubled loan servicer created a XX/XX/2019, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/2019, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/2019, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/2019 letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/2019, immediately.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I retired, down-sized and moved to the XXXX apartments, XXXX XXXX XXXX, # XXXX, XXXX OH XXXX ( XXXX XXXX XXXX ) onXX/XX/XXXX. I paid my rent on time every month during the time I resided there. On XX/XX/XXXX, the lessor raised the " utility service fee '' via an undated notice that was hung on my door. However, the rental contract ( utility services addendum ) requires the lessor to provide at least 30 days ' notice before implementing a fee increase. That is a material breach of contract by the lessor. I confronted the lessor 's property manage onXX/XX/XXXX and again on XX/XX/XXXX when I paid my rent for that month. At first, she denied the infraction, but later acknowledged it, blaming it on a temporary employee. She also acknowledged receiving numerous complaints about the issue from other tenants, which I confirmed in conversations with two of my neighbors. The property manager declined to rectify the situation, at which time I told her that I would terminate my lease early and without penalty because of the lessor 's material breach of the lease, which she acknowledged. After I gave written notice of intent to vacate on XX/XX/XXXX and moved out before XX/XX/XXXX ( my rent was paid in full through that date ) following their material breach of the lease, I received no further communication from the lessor. I did provide the lessor my forwarding address, email address and phone number. Then on XX/XX/XXXX, I received a bill in the mail from a collection agency, Fair Collections & Outsourcing ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX ), for {$1000.00}, identifying the Woodlands and XXXX XXXX XXXX as the creditor. Note again that I never received a bill from the lessor in the first place. It is also customary practice not to turn over debts to a collection agency until 90-180 days have passed. Furthermore, XXXX has, of this writing, committed multiple violations of the FDCPA, including calling both my mother and sister and failing to identify himself and his employer when requested. The caller 's number, XXXX, has been verified as XXXX 's number.
Product: Debt collection

Hi, My email and password was found on the blackweb and I have 19 data breaches dating from XXXX - XX/XX/XXXX. I have taken the appropriate measures to pay for credit monitoring services. In XXXX, a medical collection was added to my credit report that was inaccurate and unverifiable as it does not belong to me. After some research, I found out the original debt came from XXXX XXXX XXXX and was sold to Merchant Credit Guide Co. Unfortunately, XXXX XXXX XXXX was unable to give me any information about the debt over the phone and when I spoke to the records department because the debt head been sold. So, I started to dispute this information through the credit bureaus and Merchant Credit Guide Company by certified mail on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was only two responses received on XX/XX/XXXX stating, " Dear Customer, This notice is to confirm that we are in receipt of your request for validation of the above mentioned account. We will send your request for the documentation to the creditor. Upon a receipt, we will for it on to you. If we are unable to obtain the documentation a a timely manner, we will close the account, cease any further collection activity and return the account to the creditor Sincerely, Compliance Department Merchant 's Credit Guide Company - This communication is from a debt collector and is an attempt to collect a debt,. Any information obtained we will be used for that purpose. '' The last correspondence was to the debt validation letter which was received by Merchant Credit Guide on XX/XX/XXXX, which stated there was an XXXX XXXX XXXX on XX/XX/XXXX, with no signature of the individual who actually signed or filled out the the emergency form. I have called Merchant Credit Guide Company on a number of occasions and the phone either rings continuous or makes a high pitch beep sound. And I have explained to the collector in numerous certified letters that my email address and passwords had been compromised and that I did not create this bill.
Product: Debt collection

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED. 
I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS.

THIS IS DEBT IS OVER 4 YEARS AND THEREFORE, CAN NOT BE COLLECTED.

I DO NOT BELIEVE I OWE THIS DEBT, AND THEREFORE DISPUTE THIS ACCOUNT PURSUANT TO FDCPA, 15 USC & 1692G AND MY STATES LAWS. I REQUEST YOU DISCLOSE THE FOLLOWING IN WRITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX XXXX XXXX a bunch of inaccurate information was posted to my credit reports. When I requested validation of XXXX XXXX XXXX I received XXXX letters that stated my dispute was determined to be frivolous and irrelevant and that they would not investigate it. See attached. XXXX XXXX added several things to my report and attempted to collect several debts knowing I was XXXX XXXX and XXXX. XXXX XXXX reports a XXXX month contract ; XXXX on time payments but is claiming the account wasn't paid in full and added additional late payments after all payments were made. XXXX is reporting a XXXX and portfolio is reporting that same card with a different account number and different amount. Fifth third bank is reporting several late payments that my wife paid while I was on XXXX, along with an duplicate account to add more late payments to the report. I sent proof of payment and they continue to report negatively. Absolute resolutions was another account that was added to my report while I was XXXX. They refuse to comply with the XXXX and FCRA. There are several errors on my report an nobody is doing anything to correct or remove the inaccurate information.
Product: Mortgage

I'm the Buyer and Buying agent of my first home in Florida. We were supposed to close on the property with an FHA mortgage on XXXX XXXX, 2020. We were using a lender that outsourced the underwriting to Mortgage Solutions of Colorado, who subsequently informed us it would take another month to close on the property after we had already extended the deal 3 weeks. 

I then swapped lender to a friend of mine who had the file underwritten in 1 week, however, they need the FHA case number for our appraisal transferred from the old underwriter, to them. The old underwriter we were using has taken another 3 weeks to respond to us. My question is if there is a time limit they have to transfer the appraisal 's FHA case number. Even after we swapped lenders, the old lender is still holding up our closing because they won't transfer the case number. We obviously have a lot riding on this home closing ; schools, furniture, a lease ending soon where we live currently, and we face losing our escrow deposit money. All because the old lender won't timely transfer the FHA case number. We will be facing serious damages if they do not. The deadline for our 4th extension to close is XX/XX/XXXX. 2020. original closing date was XXXX XXXX 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Id with my correct name spelling well as birth Certificate and Social Security card drivers license.they are still reporting inaccurate information on my credit report..Ive sent theses Documents in XXXX XXXX and they still havent corrected it..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed 2 CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX and Equifax and let them know I was registered owner of XXXX XXXX XXXX XXXX XXXX XXXX and that they are some accounts showing under the securities account number thats property OF XXXX XXXX LIVING trust and needs to be removed please see attachment.
Product: Credit reporting

There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.
Product: Credit reporting or other personal consumer reports

Acct Name : BESTBUY/CBNA Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
BESTBUY/CBNA account number XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

On XX/XX/XXXX and XX/XX/XXXX you reported transactions from account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

My pay pal account got closed indefinitely yet I uploaded all the required verification documents. I feel discriminated by pay pal because they have closed my account without informing me the reason. I uploaded ID and Proof of address documents and yet pay pal have not responded to me. I just noticed my account has been permanently limited when i logged in to my account and tried to contact them, however it shows in the resolution center that my account has been permanently limited and that I cant use pay pal anymore. My pay pal mail is XXXX under the Reference ID : XXXX