23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Known Alias : XXXX XXXX XXXX Received notification on XX/XX/XXXX by XXXX ID monitoring that new Collection has appeared on XXXX Report. Collection shows Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX for amount of {$1200.00}. Original Creditor was XXXX XXXX XXXX. 

Contacted on XX/XX/XXXX XXXX Ext XXXX at Commonwealth Financial Systems. CSR was  unable to locate the debt with my Name, Adress, or telephone number. Reluctantly provided my SS # to find out what this was about. XXXX asked for my date of birth to confirm Identity. Stated that Date of Birth they have on record does not match. CSR asked my legal name and if I knew a XXXX. I stated that it is my middle name. CSR stated that debt was not mine, the only match they had was a SS #, and it was for a person with a different name and birthdate. CSR stated would be removed from credit profile in 2-3 weeks. 

Contacted XXXX to make sure was properly disputed as well as to place a fraud alert on my account. Was told by XXXX that Commonwealth Financial Systems, is reporting the Debt for : XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX MO XXXX. Disputed the debt with XXXX as I have lived at my current address for XXXX years and have never had the alias XXXX XXXX XXXX. 

XXXX dispute was completed as the debt is accurate on XX/XX/XXXX. Contacted XXXX to redispute. XXXX states that Commonwealth Financial Systems has updated the debt to my current address at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. Reopened dispute for debt with XXXX on XX/XX/XXXX and Dispute name XXXX XXXX XXXX as not a known alias and the address for XXXX XXXX XXXX that will still showing on my profile. 

On XX/XX/XXXX open the mail and have a letter addressed to XXXX XXXX XXXX Marked personal and confidential from XXXX XXXX XXXX XXXX, NC XXXX. As this is not me I have put back in Mail as return to sender. 

Am beyond exhausted and frustrated. I have never recieved care from XXXX XXXX XXXX nor do I owe any known entity. Frustrated that the collection agency is slowing changing the debt to where it has more and more of my information and am concerned that they may have updated my birth date to the debt when I contacted them for verification. Was part of XXXX breach and am concerned that Commonwealth is using information contained within to attach a debt with a person that has a similar name to mine. 

Do not know when original service was provided, but can provide further details of my schedule to prove that I was not provided the services by XXXX that Commonwealth is trying to collect. Also upon request can show Utility bills starting with when I moved into my current address to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent Experian letters asking the consumer credit bureau to delete an account from my Experian credit file. Experian did not delete the account from my credit file. I sent Experian a settlement letter I received from the creditor. In the letter, the creditor stated that if I had paid the reduced balance in full on, or before the expiration date, the creditor would agree to delete the account from my credit file. The creditor agreed that I'll pay XXXX on, or before XX/XX/XXXX in exchange to delete the account from my credit file. I paid the creditor in full XXXX with the first payment beginning on XX/XX/XXXX and the final payment on XX/XX/XXXX, before the expiration date. Attached to this statement is the entire transaction history of the payments made by me to the creditor, I also sent the transaction history to Experian on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

To CFPB I am filing a formal complaint against Resurgent Capital ( LVNV Funding LLC ) and XXXX XXXX  for their repeated failure to provide a copy of the original contract bearing my signature, despite multiple requests. As a consumer, I am entitled to receive verification of any debt they claim I owe, including a signed contract or agreement. 

I initially requested this documentation on XX/XX/year> XX/XX/year> and verbally on XX/XX/year>, both in writing and through verbal communication. However, to date, I have not received any response that includes the requested contract. This lack of transparency prevents me from verifying the validity of the alleged debt, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Their refusal to comply with my requests has caused significant financial and personal harm, including losing out on great employment opportunity and lowered credit scores and inability to secure credit. This has also taken an emotional toll, causing undue stress and hardship. 

Given the financial and personal harm caused, I am pursuing legal action against Resurgent Capital and XXXX XXXX  for monetary damages if this issue is not resolved promptly. I request the Consumer Financial Protection Bureaus assistance in ensuring that Resurgent Capital and XXXX XXXX  provide the original signed agreement or immediately cease their collection efforts until such documentation is produced. 

Thank you for your attention to this matter
Product: Debt collection

This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XXXX  Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had credit with nor signed any papers with Portfolio Recovery Associates yet they are reporting on my credit report profile that I owe them {$440.00} which is inaccurate and untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still showing open when its supposed to be a closed account. If Self is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Product: Credit reporting or other personal consumer reports

ON XXXX YOUR COMPANY RECIEVED A CFPB COMPLAINT FROM ME ( XXXX XXXX ; CFPB Case # : XXXX ) TO VALIDATE YOUR RIGHT TO COLLECT A DEBT. YOUR COMPANY RESPONDED ON XXXX WITH THE ATTACHED DOCUMENT, IN AN ATTEMPT TO VALIDATE YOUR ABILITY TO COLLECT. HOWEVER THE INFORMATION PROVIDED IN YOUR RESPONSE LETTER AND THE INFORMATION ON MY CREDIT REPORT APPEARS INACCURATE. THE ACCOUNT STATUS IS INACCURATE SHOWING OPEN ON ONE BURAES REPORTING AND CLOSED ON ANOTHER BUREAUS REPORTING. PAYMENT STATUS IS ALSO INACCURATE. XXXX BUREAU SHOWING " LATE 120 DAYS '' AND THE OTHER SHOWING " COLLECTION/CHARGE OFF ''. YOU REPORT A LAST PAYMENT DATE OF XXXX BUT YOUR RESPONSE LETTER ( ATTACHED ) STATES MY LAST PAYMENT WAS XXXX. YOU ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY. ONE BUREAU SHOWING XXXX AND ANOTHER BUREAU SHOWING XXXX. I HAVE ATTACHED ALL SUPPORTING DOCUMENTS SHOWING YOU YOUR ERRORS AND DEMONSTRATING YOUR INACCURATE REPORTING. YOU ARE IN VIOLATION OF SEVERAL FCRA LAWS. ALL SUPPPORTING DOCUMENTS ARE INCLUDED ON THIS COMPLAINT. ( ORIGINAL CFPB COMPLAINT DATED XXXX ), LVNV CREIDT REPORT ENTRY ( CREDIT REPORT DATED XXXX ), LVNV/RESURGENT CAPITAL SERVICES RESPONSE TO MY ORIGINAL CFPB COMPLAINT ( DATED XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquiries on my report according fcra these unauthorized and unverified items must removed plus15 usc 1666b its illegal
Product: Mortgage

This is a follow up complaint regarding the previous complaint XXXX. The response did not address the issues and gave false information. 
The company states they record all calls and you must consent. The company refuses to all the customer to equally record the call. The company has on file each and every conversation. 
XXXX. Issue is the company representative verbally on numerous occasions in providing forbearance stated the amount would be put on the back end of the loan when the forbearances first and second were over. The company refused to do so at the end and demanded full payment. This is a bate and switch. 
XXXX. At no time did I verbally apply for a modification. I did not sign for a modification. I did not provide financial documents for a modification all required for a modification. I did not apply or request a modification. If their representative did so it was without my authorization. Any fees associated with this were without my authorization verbally or in writing. I do not owe these. 
XXXX. In writing on XXXX occasions and in multiple conversations I asked only that the forbearance amounts be put on the back end of the loan as stated by their representatives at the time of requesting the forbearances and as explained by them. 
XXXX. The company filed for foreclosure prematurely. I dispute all fees regarding the XXXX foreclosure. In the appeal response the company requested a response with more information in XXXX. Before that could be responded to they filed for foreclosure almost immediately. The company representatives in multiple conversations after the appeal was rejected verbally stated I had until the end of XXXX to pay the full amount. The next payment would be due XX/XX/XXXX. The company was advised I would make the payment before the end of XXXX which I did in full. They were advised I was filing complaints here and State agencies against their practices. Knowing this the company filed for foreclosure before the end of my deadline. This foreclosure should not have been filed and I dispute all fees. 
XXXX. The company then said the representatives were incorrect and the payment was due XX/XX/XXXX and not XX/XX/XXXX. Making a XX/XX/XXXX payment after paying nearly {$11000.00} impossible. 
XXXX. The company sent a demand for the fees supposedly in XXXX but it included an XXXX late payment. it was sent to me in XXXX but dated XXXX. 
XXXX. The company representatives have advised me I may not make my XXXX or XXXX payments since a demand has been filed and they do not accept partial payments. They are preventing me from staying current on my payments and incurring additional late fees over a demand for fees I dispute here. 
XXXX. Since the first complaint a new demand has been issued for the payments and fees I dispute.
Product: Debt collection

Nelson Cruz and Associates called to collect a debt discharged in bankruptcy over 10 years ago. Accused me of fraud due to " cross collaterilization '', threatened to " flag '' my car ( whatever that means ) and overinflated the amount of the original debt. Told me that the debt was not covered under my bankruptcy, which it clearly was, and regardless of that, the statute of limitations would certainly apply. Their tactics are scummy and unethical.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"
Product: Credit reporting or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Product: Debt collection

I.Q. Data International , Inc. ( debt collector ) -contacted me via mail on XX/XX/2020 about a debt that I have disputed before and had removed from my credit report last year. This debt collector claims that I owe {$7500.00} and interest of {$1700.00} which equals {$9300.00}. They claim this debt is from XXXX XXXX ( WA ). I have no knowledge of this made-up debt and never received documentation proving that I owed this debt and for what the debt was for. This debt collector has contacted me again after the dispute was taken off my credit report and claiming that I owe this unfounded debt. I contacted them to let them know that this debt has been disputed and they need to prove documentation of this debt. They were never able to provide proof of this debt to XXXX when I disputed it last year and I'm still waiting for proof of this debt.
Product: Debt collection

National Credit Systems is a debt collection agency that has been given ( according to FCRA ) more than 30 days to do an investigation for proof that legally ties me to the debt they are reporting on my credit report. I have sent certified letters to this company for proof and they havent sent anything with my signature or an original contract. I have also sent what this company has sent me to the credit bureaus as well as a statement to remove immediately. The credit bureaus have not removed even with the proof and says that according to the FCRA, they have to give the collection agency another 30 days to investigate. That is not how the FCRA operates. I need this collection agency, National Credit Systems, removed permanently from my credit report bc they can not and will not show proof of debt. 


Below I have uploaded the debt validation letter I sent to the collection agency as well as what the collection agency sent me back after their 30 days. Also, I have uploaded the letter I sent to the credit bureaus and all the other documents were sent to them as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, XXXX is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond XXXX years. 

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to XXXX, Equifax, and XXXX demanding deletion under FCRA XXXX XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA 1681s-2 ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, XXXX continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, XXXX failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and XXXX is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( XXXX, Equifax XXXX and XXXX XXXX. Failure to comply will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a chapter XXXX bankruptcy but Experian is showing a XX/XX/XXXX discharge and XXXX  is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX  XXXX. I complained to XXXX  XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX  file to them showing it is not on there. They are still quoting the XXXX XXXX  file, I have demanded they forwarded me a copy of that report, they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR MORTGAGE LOAN WITH XXXX. THEY USED FACTUAL DATA XXXX IN XX/XX/2020. BECAUSE OF COVID 19 XXXX CALLED ME WANTING TO KNOW IF THEY COULD PULL MY CREDIT AGAIN BECAUSE OF REMOTE WORKING. SO MY CREDIT WAS PULLED AGAIN WITH FACTUAL DATA XXXX ON XX/XX/2020. THESE XXXX PULLS SHOULD BE COMBINED INTO XXXX PULL FOR XX/XX/2020. BECAUSE OF COVID 19, 2020.
Product: Checking or savings account

I file a complaint with cash app about a withdrawal of {$95.00} that occur on XX/XX/2023 at XXXX XXXX  while I was at work and I reached out to the ATM owner by the phone number thats listed on the ATM which is XXXX XXXX. and was advised if I was trying to file a complaint against a withdrawal I had to reached out to my financial institution which I have done to get my money refund and cash app keep denying my dispute the same back when I file a dispute for {$360.00} I never got my money refunded so this becoming to be a repeated pattern with cash app on not protected consumers money with disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I went to and ATM machine from a company called XXXX, which is the designated ATM machine to use my DirectExpress where my Social Security retirement is deposited. I attempted to obtain {$300.00} cash from the machine. It went through the transaction, subtracted the money from my account but did not disperse the cash. 
Direct Express has been not at all helpful and have been have spoken to me in a very derogatory manner and you can never get thru their line without waiting a minimum of XXXX minutes on hold. All I want is the {$300.00} that I am now short. I live on a fixed income and his is very stressful for me. I cant get a straight answer out of DirectExpress except that it will take at least another XXXX weeks. How can this be when the ATM company has told me that all they have to do is verify that the money was never taken out of their machine and I should have it credited back to my account within XXXX to XXXX hours. It is now been XXXX days. What can I do?
Product: Debt collection

In XXXX of 2016, I moved out of an area that XXXX services. In XXXX, I received my final bill and I called in and made my last payment, I even asked the lady on the phone if that was it and she informed me that it was. Here we are, over 2 years later, and this company adds itself to my credit report without sending me ANY information. 

Very slimy actions, to be honest. 

Please send me verification of debt and remove yourself from my credit report before you're sued.
Product: Credit reporting or other personal consumer reports

A Credit Agency Amsher Collection Services has just opened an account under my name for {$140.00}. The account shown is XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL, XXXX. There is no phone number attached to this. I have no way of contacting them. This has lowered my beacon score by XXXX points at a time I am trying to buy a new home. This account is fraudulent. I have maintained a near perfect credit score and would not have jeopardized my credit over {$140.00}, if I owed it to anyone! I could use you help in this matter. Thanks.