23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Debt recovery solutions for multiple violations of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Consumer Financial Protection Act ( CFPA ).

Despite repeated requests, Debt recovery solutions has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA. Additionally, I have not been afforded the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, Debt recovery solutions has engaged in false, misleading, and deceptive practices, which violate my consumer rights. Such conduct is in clear violation of the FDCPA and FCRA. 

Moreover, Debt recovery solutions lacks the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as required by law. This flagrant disregard for legal obligations constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these egregious violations and take appropriate action against Debt recovery solutions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I tried to use my debit card and found that my account has been garnished. I collect XXXX XXXX and have been since XXXX. On XXXX XXXX the attorney for the debitor ( XXXX ) filed a release of funds with the court and XXXX XXXX XXXX. Today ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX said there is still a garnishment from the courts. XXXX XXXX  XXXX is charging me {$120.00} in legal fees and sending the attorney {$100.00}. XXXX XXXXXXXX XXXX should have protected my funds hence I shouldn't have to pay their legal fees
Product: Mortgage

Today is XXXX XXXX, XXXX. This property foreclosed in XXXX XXXX but the bank has not sold the unit and is not paying dues to the XXXX XXXX {$580.00} due ) or XXXX XXXX XXXX {$2300.00} due ). They also damaged Association property during the transition to take possession of the property. The estimated cost of damage is {$1900.00}.
Product: Payday loan

I am currently put of work and need the lender to stop drafting my checking account from my XXXX XXXX account in texas
Product: Debt collection

IN XX/XX/XXXX NCB MANAGEMENT BEGAN REPORTING ON MY CREDIT REPORT AN ALLEGED DEBT OF XXXX, THEY HAVE FAILED TO PROVIDE DEBT VALIDATION WITHIN 30 DAYS AND NCB HAIS FAILED TO RESPOND TO MY DEBT VALIDATION REQUESTS SENT TO THEM IN XXXX. IN XXXX I WROTE NCB INFORMING NCB, I REFUSE TO PAY THE ALLEGED DEBT AND TO CEASE EMAILING ME.
Product: Credit reporting or other personal consumer reports

I have sent over several letters for experian to verify accounts that are reporting to my file but have been getting pregenerated letters from them explaining why they aren't verifying my letters
Product: Debt collection

VALIDATION AND CEASE AND DESIST PROFESSIONAL CREDIT MGMT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear PROFESSIONAL CREDIT MGMT 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 
-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for Freedom Mortgage to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with Freedom Mortgage. After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the XXXX of each month. My ( previous ) normal due date the ( XXXX ) was now the ( XXXX ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXXXXXX XXXX  ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted Freedom about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with Freedom. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...
Product: Debt collection

Portfolio Recovery has consistently reported that I owe them {$2300.00} to the credit bureaus. I have disputed them multiple times and asked for validation and they only send a copy of a bill. That isnt considered validation of debt. This has been ongoing since 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/ at XXXX and I called them again on XX/XX/ at XXXX and they told me theyre still working on it, so I called again on XX/XX/ so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to freeze my credit report reporting to third parties. I attempted to do so at the Experian.com website. Their website offer a fee based credit report freeze ( bundled with other services ) without advising the consumer that this service is required by Federal law to be free, and the website has no disclaimer that is readily observable to the consumer. After additional on-line research I did find a buried Experian on-line form that a consumer can complete and get a free, as required by Federal law, credit report freeze. However, I attempted to complete the on-line form several times and was always rejected as my selected PIN was not proper - I followed all on-line PIN instruction, i.e. 5 - 8 digits.
Product: Credit reporting or other personal consumer reports

These Accounts And Inquiries are incorrect, since i do not recognize them, please investigate them and delete them Account : Child Support Enforcem Account number : XXXX Date opened : XX/XX/year> Balance : {$5100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 at XXXX XXXX, I gave Coinbase {$350.00} for one Etherium, a cryptocurrency. Apparently the expiration date on my credit card was incorrect, and I was not charged the total amount. Their service stated I still owed a {$47.00} fee. What followed over the next 8 months was a saga of me trying desperately to pay this stupid fee with every way I could ... Credit, debit, ACH, friends transferring crypto. I had several support tickets, and followed every instruction. Nothing worked. For a few months, their website said that I " still owed a fee of {$0.00} '', which was especially frustrating. A few weeks ago, I was finally able to successfully pay the fee and use the service again. However, they still haven't returned my 1 ETH, valued today at XXXX {$800.00}. Please help! They took my money and are not giving me the asset I paid for! 

My current support ticket with them is # XXXX, which I opened several weeks ago. They have not replied to my multiple requests for help.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accountsXXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and filed several disputes online. XXXX and XXXX are reporting my COMENITYBANK/VICTORIA card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX || DATE : XX/XX/2023 XXXX XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX || DATE : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 Has not updated current employment as I have provide proof. Experian does not correctly have or provide the right information. I have provided time after time for the last 3 months and Experian has yet to correct there issues. 

As of this report Experian took off my current employment which is XXXX XXXX which is listed on Report # XXXX and on Report # XXXX XXXX XXXX is not on my credit report in which one again Experian does not provide correct information as to my credit report. 

I have attatch 2 curent employment which is not on report # XXXX which I have work for the past 2 years in which Experian keeps deleting it or not showing the correct employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has stated it gets information From XXXX. The only way I found that out was to ask for a supervisor. At first I was told they don't give out that information. How can one dispute any info on a credit report if they don't have the source to which Experian uses? 

I provided documentation showing that XXXX had removed a bankruptcy. They responded with " the company '' reports the information correct. I demand to know " WHAT COMPANY '' they are referring to, and provide me with that in writing from that company or remove the incorrect information from my credit report. If that's the case I can say " the company '' I reached out to removed the incorrect information. 

Experian is extremely secretive in regards to the fact they get information from XXXX. Doing a search only brings up Experian results. Then they tell you they only do disputes through mail. 

It very frustrating. This time I am clicking the check box below because I want others to be informed as to how they make it difficult to communicate with them when trying to have a bankruptcy removed. 

I contacted the court house and they do not give information to any credit bureau. I only want to be treated fairly.
Product: Credit reporting or other personal consumer reports

I have filled some disputes on my credit report XX/XX/2023. It has been over 45 days and I haven't received any response or update concerning my credit report.
Product: Credit card

I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

Thanks
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I also filed a CFPB complaint with the ID # XXXX and you failed to respond. XXXX and XXXX have since removed this account. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) XXXX. Delete the aforementioned account from my credit report for failure to adhere to FCRA regulations and failure to enter a notice of dispute on my credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized hard inquiries on my credit report that I did not initiate or authorize. After reviewing my credit report, I identified the following unauthorized inquiries : XXXX  XXXX ( multiple ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, and more I have not applied for credit with these companies, and I suspect that my personal information was used fraudulently. To address this, I have : 1. Filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I have attached a copy of this report as supporting documentation. 
2. Contacted the credit bureaus to dispute these unauthorized inquiries and request their removal.

3. Placed a fraud alert on my credit file to help prevent further fraudulent activity.

Please review my complaint and provide a resolution promptly. Let me know if any additional information is required.

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account appearing on my credit report. This violation infringes upon my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related regulations. I request immediate investigation and corrective action against the entity responsible.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy, affirming that consumer reporting agencies must respect the confidentiality of my personal credit information. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The presence of erroneous or unauthorized accounts on my credit report suggests non-compliance with this legal requirement. 

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information in a consumer report older than seven years, except for criminal convictions. Reporting outdated negative information is a clear violation of this provision. 

15 U.S.C. 1692g ( b ) ( Fair Debt Collection Practices Act - FDCPA ) : Requires debt collectors to provide proper validation of a debt upon request, including a signed contract proving my obligation to pay. If such validation can not be provided, the debt must be removed.

Details of the Inaccurate Collection Account : Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX This account has been reported inaccurately, and I formally dispute its validity. Under 15 U.S.C. 1692g ( b ), I request full validation of this debt, including a signed agreement, proof of assignment, and a complete payment history. If proper validation can not be provided, this collection account must be removed from my credit report immediately. 

Request for Action : Given the above, I request the following : Verification of the XXXX XXXX XXXX  collection account, including proof of debt validity and a signed contract. If verification can not be provided, the account must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

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