23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting

I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ WF CRD SVC XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability that has been attributed to me under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I believe that this liability has been assigned in error, and I would like to provide you with the necessary information to resolve this matter.

About 6 months ago iI received notification that I was being held liable for [ specific issue or error ]. After thoroughly reviewing my records and the information provided, I have determined that this claim is not accurate due to the following reasons : The amount it shows is not accurate and when I tried to dispute it, it didnt fix anything instead XXXX kept making me change my password so I wouldnt be able to file a dispute. 


Furthermore, I urge you to take the necessary steps to ensure that this erroneous liability does not negatively impact my credit report or financial standing. As per the FCRA, I am entitled to a prompt and thorough investigation of my dispute, and I expect to receive a response within the statutory time frame. 


Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 or other personal consumer reports

To Whom It May Concern : I am writing to dispute the account listed below that has been reported on my credit file by XXXX XXXX XXXX. I have no record of authorizing this company to place a collection account on my credit file, nor am I aware of the original creditor associated with this debt. I request that this account be immediately deleted from my credit report due to the following violations of consumer protection laws. 

Account Information : Account Name : XXXX XXXX XXXX Original Creditor : ( Not listed on my credit report ) Account Number : Not listed on credit report Open Date : XX/XX/2024 Balance : {$960.00} Status : Open Collection Account Remarks : Placed for collection Key Issues : Unknown Debt Ownership : I do not know who the original creditor is for this debt. The credit report does not provide the name of the original creditor or any identifying information to help me confirm whether this debt is valid or if it belongs to me. The report only shows XXXX XXXX XXXX as the collector, with no information about the original creditor. I am entitled to receive a clear, valid, and detailed description of the debt, and XXXX XXXX XXXX has failed to provide this information. 
Failure to Provide Authorization : I have never given authorization to XXXX XXXX  XXXX or any other party to report this debt to the credit bureaus. This collection account has been placed on my credit report without my consent, and I have not received any communication or documentation supporting this collection activity. 
Failure to Validate Debt ( FDCPA Section 809 ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation request, but I have not received any proof that this debt is mine or that it is being collected by a legal entity. This lack of validation, along with no information on the original creditor, is a violation of my rights. 
Fair Credit Reporting Act ( FCRA ) Violations : Section 609 : I am entitled to request and receive documentation proving the validity of this debt. XXXX XXXX XXXX has not provided this validation, nor have they listed the original creditor, which makes the debt unverifiable and inaccurate on my credit file. 
Section 623 : As a furnisher of information, XXXX XXXX XXXX is required to report accurate and complete information. The failure to report the original creditor and failure to verify the debt makes the reported information inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ONCE AGAIN FAILED TO CORRECT ALL LATE PAYMENTS ON ALL CREDIT REPORTS. ALSO, WHEN I APPLIED FOR ACCOUNT CREDITOR PULLED A XXXX SCORE WITH ALL 4 AGENCIES. AND NOW IS FAILING TO REPORT TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF EDUC XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the account is Charged off so how can this be?. Not possible. 

XXXX XXXX**** Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX  XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX  XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.
Product: Credit card or prepaid card

Ive already submitted a complaint about this chase freedom card and XXXX from the office of the president is NOT HELPFUL!!! Im still wondering why is she calling me if she has not figured out a solution to an easy problem! Its in black and white that I met the standards to get a chase plan however she is saying eligible purchases. Well what makes a purchase ineligible?!?! She cant give me an answer. Meanwhile my payment is due Tuesday XX/XX/21 and Im going to have to make a payment which will THEN make the purchase ineligible to be put in a chase plan. Ive been a chase customer for over 20 years and Ive had this card since XXXX and I make my payments ON TIME! XXXX XXXX score is in the 800s and above so I cant believe its my creditworthiness! Its impossible. Needless to say if this isnt fixed by Monday, I will take every single dime out of my Checking, Savings, Investment, and my daughters checking account and find another bank. UNACCEPTABLE
Product: Debt collection

XXXX from D and A Services called me asked me to verify my personal information. I basically told him that I do not give out me personal information to strangers and to send whatever he needed to contact me about in writing. He began yelling at me about refusing to pay my debts or verifying myself. He told me that if he want to commit any type of fraud or identity theft he already had enough information to do so. He continued to talk after I told him to send the information in the mail. He also tried to get me to verify personal information and gave me some one else 's Social Security Number. I told him it was not my information and hung up.
Product: Mortgage

I am writing because I am one of many citizens that are in a status in which HARP does not help but yet, we suffer from the same problems. I bought my house back in 2005, shortly before the fall of the housing market. Like millions of others, I was under water ( almost by 1/3 ) as soon as it happened. I have not been able to get any help at fixing my situation and am worried about losing my home and maybe even having to go bankrupt. Not something that is appealing to me. I am not trying to reduce what I owe, I just want to get into a situation where I am not at risk by the rise of the interest rates. I understand that it is because of my ignorance and not truly researching my options when buying my home. It was just a dream and the builder made it so easy to get into the house and told me I would be able to refinance within a year. Well, that opportunity never presented itself after the decline in the market. I am a veteran and should have used my veteran 's benefits, but did not. I am not sure why we are excluded from the help that millions of others that just happened to use XXXX XXXX or XXXX XXXX are provided.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c you have violated my rights by in lawful communications.

Please remove this collection off of my credit report thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a request to Transunion and the other credit bureaus in XXXX XXXX XXXX  to delete erroneous personal information on my credit report. XXXX and XXXX were really good about taking care of my request. Transunion took almost 2 months to do anything ( previous CFPB complaint ). On XX/XX/XXXX I called Transunion about a name on my report that does not belong to me. They said they could not do anything about it. The name is XXXX XXXX XXXX. I have never used this name in ANY context. Transunion needs to remove this from my credit report or PROVE that I ever used this name. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S Code 1667a - Consumer lease disclosure XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2021 Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : I dispute the missed and late payments on this account. I believe there may be an error, and I request a detailed statement of all payments made and missed since the account was opened. This will help clarify the situation and ensure everything is accurate. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. I believe there may be an error, and I request a detailed statement of all payments made and missed since the account was opened. This will help clarify the situation and ensure everything is accurate. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account. I believe there may be an error, and I request a detailed statement of all payments made and missed since the account was opened. This will help clarify the situation and ensure everything is accurate. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments on this account. I believe there XXXX be an error, and I request a detailed statement of all payments made and missed since the account was opened. This will help clarify the situation and ensure everything is accurate. 

INQUIRIES : XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX These items appear to be either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

Date of transaction:XXXX The amount of money that I paid : {$1100.00} The company is Visible. 
The company sent the device and they did not arrive. They just said that they delivered the device without my signature. I contacted with the visible company and they asked me to uploaded the police report and I have uploaded the report and they denied to refund with no reason. They even deleted my account with no reason. I tried to talk to them and they did not seem to want to solve this problem and just cheat themoney!! I was so angry with this kind of company! I tried to claim on XXXX  and XXXX told me that visible has already claimed from them. So visible claimed the lost iphone from XXXX  and they did not refund me? What are they doing??? And also discover told me that they received a tracking number showing full proof of delivery to the shipping address, this shows the merchant has fulfilled their obligation to get the product to you. They did not consider the police report and other document. I was so angry about what they are doing!! They asked me to upload the document but did not consider at all.
Product: Debt collection

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review it to see if it actually is an account that does belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX i am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 


After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Bank account or service

My Chase debit card was taken from me on XXXX XXXX, 2016 which was used to make unauthorized withdrawals/transactions. I was never informed from chase via phone call that any of this fraud activity was taking place. I recieved XXXX email to confirm the transactions which I was unable to open until it was too late. Once I noticed all of the transactions I called Chase bank immediately, hysterical they were not helpful in anyway. Instead of being giuded in the right direction I was yelled at, and blamed for all of this. I explained I would give whatever proof necessary to prove I was in a different town at work, which they were not interested in. I then went to a chase branch filed XXXX claims, signed paperwork faxed it to them right away. A few days later I recieved an email stating they were giving me a temporary refund of which I would have full access to use while they do their research. Later come to find that this was untrue, I called to verify and I was told Chase was ending their " relationship '' with me and I was not able to touch that money. I again, went to the branch to get clarification because I could not get a straight answer from anyone I spoke to. The teller also got no where with answers, he could only apologize for the misunderstanding. I am a single mother of a XXXX girl and Chase would not allow me to even touch my money that was stolen from me. Chase did not provide me any protection whatsoever. Two weeks later I saw an email stating they were not refunding my money because they had reason to believe these transactions were correct. I asked the supervisor for a valid explanation, which they refused to give me. I told them about the multiple police reports I have about the identity theft situation I am in, I cried to them letting them know I have valid proof and they said " that wo n't be necessary ''. The woman on the phone hung up on me abruptly and I decided to take further action since I am getting no where with this company.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Aidvantage for engaging in unlawful debt collection practices that violate federal law, including the RICO statute. Aidvantage knowingly participated in a scheme involving fraudulent debt instruments. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes.

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.