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

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

list of company`s i have mailed letters to and they failed to show any proof of a receipt that i gave any permission to 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 XXXX XXXX XXXX XXXX XXXX  NOTICE ; IF A CONSUMER NOTIFIES A DEBT COLLECTER THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION I HAVE WRITTEN ALL OF LIST PROVIDED NO RESPONSE WITH 48 DAYS THAT IS A FORM OF WRITTEN CONSUMMER REPORT
Product: Money transfer, virtual currency, or money service

On  XXXX , I made an express bill payment at  XXXX  through  MoneyGram. The   payment amount is {$2400.00}, fee is {$8.00} and total is {$2500.00}, Biller Name is '  XXXX   XXXX   XXXX   XXXX   '. The payment is never posted. On  XXXX , I called  MoneyGram and   was told by customer service that no transaction was found. On  XXXX , I went to the   XXXX    store and was asked to call  MoneyGram about this transaction ; I called and this time I was told that MoneyGram is holding the money due to lack of payment information. I confirmed with them the payment account number and was told by the customer service representative that the payment was sent and would talk up to 3 business days. But to date ( after 6 days ), I s till have not seen the payment posted to my account.
Product: Debt collection

I have never done business with XXXX or XXXX. Remove from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

With EQUIFAX, 1.-Do not provide the option to save Online your report although it says so. The ONLY option available is to print 30 some pages report. 
XXXX It provides only a Summary, no FICO, no any score whatsoever, XXXX It has a link to contact them, you click on the link and the report disappears, there is no way to get it back. 

XXXX XXXX The report does not provide a link to save it online. Another 30 some pages print out. 
XXXX Plagued with wrong or misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I had a mortgage for my home with XXXX mortgage. I was granted a modification by XXXX on XX/XX/2012. My new monthly payment is {$420.00} XXXX sold or transferred my mortgage to SPS Select Portfolio Servicing Inc. SPS Inc. refused to acknowledge my modification. I have an ongoing bankruptcy case. My modification was filed with the judge that was handling my case at the time and was approved. SPS filed paper in court to dispute my modification. My modification is valid. I spoke with a representative at SPS who told me that XXXX did not transfer the modification.
Product: Debt collection

Delete Collections from AFNI from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Product: Debt collection

I am a victim of Identity Theft. There are 2 accounts with Bank of America that are damaging my credit. They are not mine. I have send several demand letters to Bank of America and have heard no response to help is resolving my issue. I have also disputed these fraudulent accounts with the bureaus and am getting no where. I will attach my credit reports and identity theft affidavits. 

Account numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, Chase Bank called me about deposits made to my checking account. One deposit from a friend was rejected because his name is not on my account. I didn't know if someone sends a monetary gift & their is not on my account Chase rejects it. The other 2 deposits to my account were credited but after the one amount was rejected, Chase decided they needed to investigate where I get my money from. They never informed me what the problem was until I made several phone calls to different departments in Chase. I was finally told what the amounts were that were in question. I was able to prove that one deposit was sent to my Chase account from my XXXX account which has my name on it. The 2nd amount was sent to me by my son and his name is on the XXXX account and my Chase account. My son & I had to go to a Chase branch to prove these accounts were ours. I also had my social security XXXX check deposited in to my Chase account. Because the Chase representative that called me XX/XX/2019 obviously go upset, she restricted my account and then eventually closed the account because she was mad. My account shouldn't have been closed because the representative felt like closing it for no reason. as a result, my SSD check went to the closed account and now I have to wait 10-15 days before I get my check. I asked the Chase executive office to listen to the phone call made to me on XX/XX/2019 and that representative should be reprimanded for closing my account because she was angry and felt like making me suffer. Chase finally mailed my money in the closed account but I don't have my XXXX check. Because I didn't have access to my money I wasn't able t get my medication, go to the doctor or buy food. I'm a XXXX year old female, XXXX   and I had to go to the ER to get medication because I didn't have any medicine or money to get my medicine because Chase held my money. I have never been so humiliated, insulted, hurt and embarrassed as I was because of the way I was cheated by Chase unnecessarily.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear Southwest Credit Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

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

Equifax has been notified by letter, fax, and phone calls over 6 times for year 2020 to remove address. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For my entire life i have lived on the opposite side of america and never in california. That is on the opposite side of the world. 

I have even printed off and faxed my bank statements and spent over XXXX dollars and 2 years trying to get the address removed. I have never been or lived at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Spending all this money and nothing being fixed from someone else doing fraud. 

Equifax has sense acknowledged it was fraud when i submitted my last complaint to you. If you pull it up they admit to it. But has done nothing to rectify it.
Product: Debt collection

Portfolio Recovery Associates sent an email they had purchased a {$500.00} debt from XXXX  XXXX. They said to protect my credit they would not report it if I set up an automatic payment plan. So I did. I made three monthly payments as agreed and they reported it anyway. They falsely got me to set up payments.
Product: Debt collection

I requested debt validation however it has never been provided to me by the collector. Also, a purchase agreement between the original creditor and the debt collector has not been provided.
Product: Debt collection

XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.
Product: Debt collection

I have contacted the credit burueas and the creditor and no reponses
Product: Debt collection

On XX/XX/year> i received a phone call from a relative someone was looking for me the relative then told the man I was not at the residence. I was never notified directly of the lawsuit for a debt was never given the summons. I didnt find out until I searched online that there was a suit filed against me. I then found the forms outside my residence on the floor. I responded to the suit on XX/XX/year>. They did not serve me directly, now they are attempting to submit a judgement of default and I have the right to arbitration. Regardless of the outcome Im more concerned as to how they are serving people when they are submitting claims against them without properly serving them.
Product: Credit card

Hello so I was in hospital when I got a notification of statement I opened it and there was a transaction of XXXX $ on my account that I quit using months ago I was using my other credit card. I called right away to Discover credit card fraud team and let them know they send a new card and opened a new account for me and told me not to worry about anything. My balance was now normal but after 1 month or more yesterday I got a call and they said am responsible for this because whoever used this card put your phone number, address and used your email in the order. I have written a letter and sent it to their adress too. I received emails for XXXX saying my data was leaked and not safe I thought its a AD So I didnt reply to them.I would really appreciate if this charge gets removed from my account Thank you for helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a settlement agreement with XXXX XXXX XXXX through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,XXXX, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with Experian. There is a one day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. XXXX XXXX XXXX is reporting a balance of XXXX balance on my credit report.
Product: Debt collection

Portfolio Recovery Associates has been harassing me and contacting me nonstop since XXXX about a debt from XXXX on behalf of another company XXXX XXXX XXXX XXXX ) The debt has been discharged and charged off. I'm not sure why it is STILL being reported to the credit bureaus. I have never had any dealings with Portfolio Recovery Associates or owed them any money. Despite my attempts to explain this to their representatives, they continued to harass me and threaten legal action if I did not pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/2022 XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I sent a request for information on my loan and did not get my concerns addressed, The financing company sent back a letter stating call for clarification, however every time I call I am rerouted to a different department and not able to get any XXXX to resolve my issues or concerns about the debt owed. if I try to access the account online sometime my access is restricted and at this very moment it displays that I can only speak to a representative over the phone but when I call, I am never able to get to the department that will assist me, I have asked for a supervisor XXXX today on XX/XX/2023 over XXXX times and a few agents hung up on or transferred me back to the automated system. this company does not want to help consumers and should be sued. I am not interested in mediation as I have tried for months to get a resolution to my concerns. I have my phone log and screenshots of not being able to log into the online portal at times and the chat option not being available for me to chat with a live agent and also not being able to select the amount of payment I'd like to pay ( being forced to select a certain payment amount )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows several inquiries on my credit file that I didnt authorize. 

These are XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 TXXXX XXXX XXXX XXXX These were not approved and I was not contacted Additionally there is an Address on my credit file XXXX XXXX XXXX that Ive never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX sent a validation letter first class mail to Experian on XX/XX/2024. 

Asking them to validate the inaccurate information displayed in my credit report. Per U.S. consumer laws I called them on XX/XX/XXXX, and spoke to a handful of representatives. All of which have no knowledge of consumer law. The last being a supervisor named XXXX, who informed me they rejected my letter based off them believing it was not me making said request. She also tried to persuade me to make a dispute through their system. I stated they only have 30 calendar days, and that I wont make a dispute through their system because my letter serves as my dispute. My letter contained a copy of my XXXX XXXX XXXX, and a copy of mail delivered to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing this fraudulent information back in XXXX of XXXX. I have done several disputes through XXXX, CFPB, the FTC, and with the company itself. The company responded to my previous CFPB complaint by stating that they've investigated the matter and concluded that I am falsifying my claim of identity theft " to clear up my credit ''. On XXXX XXXX I sent 800 Loanmart and the credit reporting bureaus copies of the following documents : XXXX Police Dept. report for Identity Theft, FTC ID Theft Report, ID Theft Affidavit, and my identification. Loanmart refuses to accept that they were manipulated into supplying a loan to someone that used my identity fraudulently. They also have responded by stating that they will not remove the damaging information from my credit profile, nor will they close the account for collections. I do not think they understand the concept of IDENTITY THEFT which means someone illegally obtained or retrieved access to my personal information and used it to illegally obtain services and or products. That means that the information they obtained to verify the loan they granted would of course be that of mines, and due to the fact that they forced me to use collateral for the only loan I did apply for and obtain in XXXX, that was also paid off in XXXX why would they allow another loan a year later and not require the same thing? that is a step in the direction of predatory lending. However, I did not apply for, nor did I obtain a second loan from this company, and I have submitted all documents to them that is required by law. If this complaint does not get them to comply with my request to remove this account from my credit report, I will pursue legal litigation against them.