23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AD Astra Recovery Services is reporting on my credit report in the amount of {$1500.00} account # XXXX which is false and its keeping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible. 

The XXXX XXXX XXXX - XXXX XXXX to XXXX ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Product: Mortgage

Our mortgage servicer was changed to Flagstar bank a little over a year ago. 

We have set up automatic payments on a bi-weekly schedule as a means of paying off the mortgage more quickly over time. 

On XX/XX/XXXX, I called Flagstar to discuss. The Flagstar representative told me that Flagstar takes and holds our first payment each month in a " Suspense '' and does not apply that payment until the next bi-weekly payment is pulled. When I asked more about that, and if there was a way to dispute that company policy, she stated that each servicer gets to choose how to apply the payments, and Flagstar has chosen to hold on to people 's first bi-weekly payment each month. 

This effectively removes most of the paydown benefit of a bi-weekly mortgage payment schedule and serves as an interest-free loan to the bank for a 2 week period.
Product: Credit reporting or other personal consumer reports

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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Bank of America and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Product: Mortgage

The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. 

I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. 

It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. 

I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.
Product: Debt collection

My private information was sold to Rent Recovery Solutions acting as collector for XXXX XXXX XXXX  XXXX XXXX for an alleged debt ... 
Opened XX/XX/XXXX according to XXXX XXXX.. 

Same with the following.. 


XXXX XXXX XXXX  acting as collector for XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX acting as collector for alleged creditor XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX  XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX according to XXXX XXXX  And XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX All of these liens and accounts shown on my credit are Fraudulent and inaccurate. My private information has been given out to Third party contractors to secure and alleged debt that none of these " creditors '' can prove with a ORIGINAL wet ink Signature of mine proofing a debt and that I owe with ANY of said Creditors! 

According to the secretary of state in North Dakota ( my born state ) there is no proof I owe any debt to any alleged creditor and I did a UCC-11 to prove that.. I'm asking that you guys make these " creditors '' prove I have a debt with a original wet ink Signature with my name ... 

As well as a way to settle my debt LAWFULLY as according to the Constitution. Rather accept for value, discharge, set off. Or gold or silver. As per House joint Resolution 192
Product: Debt collection

In my XXXX account portal i have a collections for {$700.00} from a company ive never done business with or permission to contact or report on my behalf. Aswell the amount highlighted on the collection is incorrect and false. this has cause grave anguish in my personal life as it has affected the way i am viewed and tarnished my name for future relationship with creditors. This company has attempted to collect this incorrect/false debt by harassing and calling repeatedly as well as reporting with XXXX this incorrect collection and tainting my image. 
thank you.
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit System on XXXX XXXX in the amount of {$1500.00}. First and foremost, I have confirmed that the debt collector, National Credit System, is not licensed in the state of Louisiana to collect on this debt. Secondly, National Credit System violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit System? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit System has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the Identity Theft Report. Companies refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone was able to open up a credit card account with XXXX XXXX onXX/XX/2025. I have a hard inquiry on my report so I contacted the bank the next day to dismiss and void the application as I did not apply for one. So far XXXX the XXXX working in the fraud department, flagged the application and told me it will be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a reporting agency. I have sent ftc reports to XXXX and a police report that I have submitted to you all to send to the company below are the letters that they respond to when I file a dispute. 
I have never lived at the address on the account XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have a Destiny Mastercard. My payment date is XXXX of the month. Destiny Mastercard was Genesis FS but now is XXXX. I went to make my payment on the Destiny website & found out that Destiny on accepts Checking Accounts not Debit Cards ( I don't have a Check/Saving Account & don't plan on getting one ). I called Destiny & was informed that payments are only accepted By Mail or XXXX XXXX. XX/XX/23. I mailed in my payment of {$40.00} as of XX/XX/23 Destiny claimed they haven't received it & Destiny charged me a Late Fee of {$35.00} which brought my acct in the Negative. I called Destiny ( Now XXXX ) that I mailed in my payment on XX/XX/23. I was informed that once they received the payment I will get a one time courtesy removal of the late fee. This is RIDICULOUS!. Destiny Mastercard ( Now XXXX ) Doesn't Accept Debit Cards as Payment & when I Mailed in the Payment before the Due Date I still got charged a {$35.00} Late Fee. I can't keep going through this every month, I mail in payment before due date & Destiny ( Now XXXX ) charges me a {$35.00} late fee then I have to call in & Hope they remove the {$35.00} late fee because they don't accept Debit Cards as Payment not mention Destiny reporting this on my Credit. I am enclosing a copy of the Money Order I sent to Destiny. Thank you. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax AXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX 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 XXXXXXXX Equifax AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Instructions 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 more than seven years.

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 person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing. 
I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 

The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : XXXX a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness. 

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance : {$390.00}.
Product: Vehicle loan or lease

I have 3 car loans that reported me late the first one XXXX XXXX was reported late on XXXX and XX/XX/21. 
The 2nd one Mercedes reported me late XX/XX/21, XX/XX/21 and XX/XX/21 on XXXX and XX/XX/21, XX/XX/21 and XX/XX/21 with XXXX. 
These lates are not accurate, I have sent them letters about this problem already. I had to close my account due to fraud that the auto payments were being made from and we notified the creditor and they agreed to give us time to transfer everything over, but they still reported me late anyway. I had the funds in my account and there is no reason why I wouldn't make the payments on time. I am a XXXX and am constantly traveling so I have a manager that handles paying my accounts. How these are reporting is not correct and inconsistent. Due to the Cares act I am asking that you please have them remove these lates reporting that were not my fault. 
I also have a collection from XXXX XXXX XXXX from an ambulance company that does not belong to me showing on XXXX only. Please have them remove this as I have sent several letters on this matter too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX, Account number : XXXX, Account name : XXXX XXXX, Account XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX XXXX XXXX XXXX Account name XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX, account number : XXXX Account name : XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX note : credit bureaus won't give me full account numbers of the above accounts 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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Global Lending service Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.

It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX service takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system