23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear DCU Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

I have consolidated all my credit card debts with XXXX XXXX. I have been paying them for a year or so, until they keep extending my pay off date, I realized they are trying to rip me off so I canceled everything with them. They sent me a cancellation proof and documents, One of them was sent to collection Agency which is Velocity Investments LLC. The name was under my name but the address was not my address. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. I was hacked years ago, I was a victim of Identity Theft and that address was used by those theft. I have not lived in XXXX California ever. I didn't know I have been paying debts that were not mine thru XXXX XXXX.
Product: Debt collection

O n  XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC.  XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX / XXXX /2017 not being responded to ( sent  XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the LAW.
Product: Credit card

XXXX XX/XX/25, I requested that my Capital One XXXX XXXX balance credit be sent to me by check. I was told I had to send drivers license as ID. I did so, but they said image was unacceptable. I rescanned ( XX/XX/25 ) and sent ID again. On XX/XX/25, they called, saying the scan was unacceptable, and that they were freezing the account so only payments can be received. I have a credit of over {$8000.00} because of a cancelled vacation. I can not get the money, close the account to get the money, or even use the credit card. I have given them my name, address, phone number and email ( all of which are on my account ). When calling, I even had to give the last 4 numbers of my SSN. They are keeping my money! I am sure an AI is examining my documents, and is making a wrong judgement. Please help me to get my money! Please help me get my account reactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.lf a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Product: Mortgage

Greetings, We had a claim since XXXX of XXXX with XXXX XXXX XXXX insurance for water damage which was paid for partial in XXXX and we as the homeowners did all the fixing of our home by using our own money and we hired an attorney to sue the insurance company. Now, in XXXX of XXXX we finally won the lawsuit and the settlement was sent with a letter of explanation to the mortgage company explaining that this was a settlement and that no adjusters worksheet is needed as they keep asking over and over again. This is the third time I had to make a complaint about this mortgage company for their abuse of practice and the way they treat us clients. I sent them the check endorsed and told them that we have used every single fund we had to fix our home and they can send an inspector to see that the house as no issue what so ever to verify that the house is in inpecable state. Instead they keep insisting on adjuster worksheet and adjuster bid for a closed claim since XXXX? Please help ; we are tired and stressed. I had to file bankruptcy due to lack of funds, and I need my money, but not theirs. 
Today, I just received another email from my attorney heree is the email date of loss XX/XX/XXXX Good morning, Please see the attached copy of the XXXX XXXXXXXX and signed release confirming the settlement amount. Please forward these documents to your mortgage company. 

Should you need any additional information, please feel free to contact our office. 

Thank you and have a great day. 

XXXX XXXX XXXX XXXXXXXX XXXX, Ive asked for an inspection and they have denied the inspection twiced and this is getting now ridiculous and unfair and unjust. I spent all of our savings to fix our home while we were in this lawsuit and yet this mortgage company is trying to make us suffer by basically stronghold us as hostage of our own fund. I want you CFPB to do your job step in and help us, they have received every single document they asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : US DEPT OF EDXXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Product: Credit card or prepaid card

RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

WELLS FARGO CARD SERV got a copy of your XXXX Credit Report. XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Information on my credit is inaccurate I did not authorize these companies to run my credit I sent letters to XXXX and XXXX Transunion regarding the issue to run their investigation still these items remain
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Credit Collection Services are reporting to my consumer credit file inaccurately and without my written or verbal consent. This is a violation of my consumer rights and in violation of the Fair Credit Billing Act 15 U.S. Code 1666-1666j and a section of the Fair Credit Reporting Act which is federal law.15 U.S. Code 1681a ( i ) and 15 U.S. Code 1666B I am deeply concerned about the inaccurate reporting of information that directly affects my credit standing and financial reputation. Under 15 U.S. Code 1681a ( i ), it is unlawful to furnish inaccurate or incomplete information to consumer reporting agencies. 

I asked Credit Collections Services how did they obtain my information and I was told by XXXX XXXX XXXX XXXX is in violation of the Truth In Lending Act At the time I was financing a vehicle and XXXX XXXX did not disclose all my consumer rights in the consumer transaction.
Product: Debt collection

Date of event : XX/XX/2017 ; Event Summary : Aggressive phone tactic to intimidate and frustrate me so that I will pay up rather than exercising my rights.
Event Details : Collector sent me a note asking to pay an seemingly unpaid amount. I called back, gave the account #, and requested that I wanted to dispute it and that I did not want them to contact me any further. But collector 's agent insisted in getting all my information including my full name spelled and telephone number. Upon my polite refusal to provide this information, collector 's agent got agitated and repeatedly kept me on hold multiple times, taking my time away from work thereby impacting my job. I politely requested to give me the address to which I can send a letter. But the lady kept me on hold and would not provide this simple information, for 20 minuted. Her voice was antagonistic, and after 20 minutes, she gave me the address, which is the same as that in the paper. Rather than saying that the address to which I should I write is on the letter, she wasted my productive time at work for 20 minutes. This is an aggressive tactic by the collector, for a consumer to give up and pay. She was also angry on phone started blaming me for the issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding errors on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found inconsistencies related to the reporting of charge-off dates for two separate accounts.

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Incorrect Charge-Off Date : [ State the incorrect date reported ] These errors are inaccurate and misleading, causing harm to my creditworthiness. Under the FCRA, I have the right to an accurate credit report, and these discrepancies warrant immediate correction. 

I have taken steps to dispute these errors directly with the credit reporting agencies and the creditors involved, but I have not received adequate resolution. Enclosed are copies of my credit report highlighting the errors, along with any correspondence related to my dispute.

Charge off dates are inaccurate between the two credit companies.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies and creditors comply with federal law. The charge-off dates must be accurately reflected, or the information should be removed from my credit report if it can not be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with Fair Credit Reporting act XXXX The 8 accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!
Product: Credit card

Additional Fees. We're following up on recent changes to your Synchrony Bank-issued Credit Card agreement . Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. 

Senior Citizens who do not have access to email will be affected by this new fee. Problems with the email process are not perfect. There is times when I will not receive an email message. This will not only cause me to pay the additional {$1.00}, plus a late fee from Synchrony Bank. It's another money-grabbing fee taxed by the bank to the consumer.
Product: Debt collection

I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am working to clear up things that are on my credit I came across XXXX XXXX  From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Product: Credit reporting

My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter and proof to Transunion regarding my fedloan accounts. 
Explaining that they are reporting inaccurate information on my credit report compare to XXXX and XXXX. I was sent a letter from Transunion stating they have update the information, with no proof showing how they were able to validate what they updated. 

Transunion did not do as I requested, I didn't ask them to validate or updated the account, I specifically request that the account be deleted due to in accurate reporting. 

It is not my job to bring attention to Transunion regarding in accurate reporting information that could possibly hurt me from further purchases.