23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

REMEX IMC. XXXX AND REMEX IMC. XXXX Your company have violated FCRA 615 ( f  ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious REMEX IMC. XXXX AND REMEX IMC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN.. XXXX XXXX  XXXX  ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( XXXX, Transunion, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced..

THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempts to give in to this complaint but then I think my appeal has been overlooked. I am positive that Original creditor : XXXX is reporting mistakenly in Equifax. I do not recall having this account with this company. I dont think there is permissible agreement between this company & myself. I would like you to offer me provable proof this account belongs to me. I request a signed bond which will prove a legal arrangement. Please confirm this information and provide me with copies of any documentation related with this account which bears my signature. In the nonappearance of any such documentation bearing my signature, please delete this promptly. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX
Product: Credit reporting

I have sent ( 6 ) disputes to Transunion requesting the Method of Validation/Verification used to validate an account on my credit report.. The account in question is XXXX # XXXX ( dba XXXX ). Disputes were dated XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the only response I keep getting is a new credit report that states " verified, no change ''. I have asked them repeatedly to show me how ALL my requests come back verified, who have they spoke with-if they spoke with anyone give me their info, the means of communication because the XXXX system is not always accurate. I have ask them under FCRA Section 611 ( a ) ( 7 ) to show me their method as in locating the necessary original physical documents of how the info was " verified and/or validated '' to them as per my other five requests.
Product: Mortgage

I applied for a VA loan through Clearlending and on a VA loan you can not be charged more than 2 points for loan discount fees but this company stated that due to credit score it had to charge more and charged XXXX. They are also charging Contract processing fees which are against VA loan regulations as well as survey fees and an HOA transfer fee but I do not have a home picked out yet and am looking at ones that do not have an HOA. Seller will pay closing costs but I am still being told that I will have to put money down when VA requires XXXX down from a military member. These practices are illegal by this company and they should be held accountable, regardless of credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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: Mortgage

I switched insurance providers, from XXXX to XXXX On XX/XX/XXXX, NewRez servicer of the loan paid XXXX, pretty much the same day that I cancelled XXXX. They paid over XXXX to XXXX XXXX My escrow account, didn't quite have this as the insurance was raised over 40 %, that is why I searched for other insurance. I had to request that money back from XXXX which I didn't receive until XX/XX/XXXX. Meanwhile my agent applied to XXXX on XX/XX/XXXX to start that insurance on XX/XX/XXXX when the current XXXX would end. Since I didn't have the funds in my escrow account. I paid XXXX directly XXXX. 
Because an mortgagee has to demonstrate insurance coverage, my agent sent the XXXX insurance binder with XXXX balance due to NewRez. NewRez failed to read the binder that there was XXXX balance due. They paid XXXX XXXX, that neither was owed nor did I have in my escrow account. I wasn't contacted by them, this payment was not authorized. My escrow account was not in arrears of about XXXX. Now I had to request the refund from XXXX I was in constant communication with NewRez, telling them, that as soon as I received the refunds from both insurance companies I would replenish my escrow account. NewRez did a escrow analysis on XX/XX/XXXX, 2 days after the 2nd unauthorized payment to XXXX. They raised my payment for XX/XX/XXXX. When in fact it should have been lowered, as I requested that no longer would I have escrow pay my insurance. I repaid the XXXX refund of XXXX to my escrow account on XX/XX/XXXX. I repaid the XXXX refund of XXXX to escrow on XX/XX/XXXX. I repeatedly asked for an escrow analysis beginning on XX/XX/XXXX when they raised my escrow payment. They said it would take 30 days. They had all the money returned on XX/XX/XXXX. Tomorrow is XX/XX/XXXX. That is 30 days and I still don't have a new escrow analysis. My payment should be less not more. I have enough in escrow account, XXXX, now to pay taxes that are due on XX/XX/XXXX. I estimate that escrow payment should be between XXXX -- XXXX a month to cover property taxes. Now the escrow payment is over XXXX. 
They are collecting money illegally and without warrant. I just want them to pay property taxes. I kept my word, as soon as I received the money from the 2 insurance companies, I replenished my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call equifax send them my FTC report due to some accounts and nothing has been done
Product: Credit card

Indigo has not updated my balance with all XXXX credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Product: Debt collection

To Whom It May Concern : XXXX I am writing to dispute the negative marks you have made on my credit file and formally request validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809. 
Please understand that I am requesting full validation, not partial, to confirm any contractual obligation between myself and your company or the original creditor. Until this debt is validated in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you cease any credit bureau reporting related to this account. 
To satisfy this validation request, please provide the following documentation : 1. Complete Payment History As established by XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, a detailed payment history for the entire amount alleged is required. Please include : * Itemized verification by line for each charge, with an explanation of each item ( such as purchase date, amount, goods received, and receipt date ). 
2. Date of Last Activity related to the alleged debt. 
3. Proof of Identification My full, complete, and correct Social Security number to help confirm my identity as the alleged debtor. 
4. Signed Agreement A copy of any document or contract bearing my signature that indicates my agreement to pay the original creditor. 
5. Obligation to Collect Proof of the contractual obligation between your company and the original creditor that legally permits you to collect this debt, including : * A Letter of Sale or Assignment from the original creditor to your company. 
* Documentation showing you have authority to collect, as required by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), which stipulates that debt purchasers must provide information on the source of debt and amount paid for it. 
6. Licensing Proof of your license to collect debt within my state. 
7. Breakdown of Fees An itemized statement of fees, detailing the calculation of the alleged amount owed. 
Additionally, I request that you refrain from contacting me by telephone. Limit your contact to written communication and only when you have provided all the requested documents for proper validation. 
Under FDCPA Section 809 ( b ), collection activities must halt until this debt has been validated. Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), ruled that reporting a collection account constitutes collection activity. I am therefore entitled to the full documentation listed above as validation, not partial information. 
While I prefer to resolve this matter without litigation, I am prepared to pursue legal action to enforce my rights under the FDCPA and other statutes, should it become necessary. 
Please send all requested documentation. 
I will await your reply, including all requested proof, and will respond upon receipt of the full validation. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am having a nightmare trying to resolve fraudulent charges on my Bank of America credit card account. I have maintained this account for over 40 years, but in the past XXXX months have been receiving multiple charges from a company called XXXX ' - which my wife and I have never done any business with! When I first contacted B of A on XX/XX/2022 they promised to credit me back for the fraudulent charges, and promptly sent me out a new card with a new account number. Within 60 days, we received additional charges from 'XXXX  ' in the amount of {$1000.00}. on the new account! When I called to again contest fraudulent charges, I was told that 'XXXX  ' had the ability to continue charging me, even with new cards/account numbers. At this point, my wife and I had had enough, and asked B of A to promptly close our C.C. account and reverse again the fraudulent charges. I specifically withdrew permission for B of A to automatically pay down outstanding balances from my checking account, opting instead for a final paper bill that we could examine for any legitimate balance due. We were specifically assured that this change was made. 
Despite these instructions, on XX/XX/2022, we awoke to find out that B of A had withdrawn, without permission {$2100.00} from our personal checking account, again for XXXX ' charges that had previously been disputed. This unexpected cash grab caused us to be overdrawn on our checking account, causing even more pain and suffering. When I called B of A on the afternoon of XXXX XXXX to once again resolve the matter, I was on hold for XXXX minutes before a very sympathetic customer representative assured me that she would reverse the charge, only to be disconnected before any changes could be made. Despite my phone number being in the record, no call back was received.
Product: Credit reporting or other personal consumer reports

I am sending this request to dispute the inaccurate reporting of a XXXX account on my credit report. Upon reviewing my credit report, I found that XXXX is reporting the information correctly, while the XXXX and TransUnion credit Bureaus is not. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

Discover Finanacial Services - 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: Debt collection

I received a letter from National Service Bureau stating they were sending a letter to the XXXX asking them to suspend my driver 's license due to an accident in 2014 in which I had no insurance. In reality, I never had an accident in 2014 or at any other time in my 40 year driving history. Further, National Service Bureau provided my driver 's license number and date of birth to the XXXX. When I contacted NSB, they would not release where they obtained my personal information. Now I have received a letter from the XXXX stating that my driver 's license is revoked!
Product: Credit card or prepaid card

I was denied by Synchrony bank each time I have applied. They provided reason for reject incorrectly and vague why I was denied. I feel the denial is not based on my credit but my XXXX and past experience. I had cards with Synchrony Bank but all the accounts were inherited by them where I applied to another bank and Synchrony took over the credit accounts. I paid the accounts off and the bank closed the line because I wasnt using them.y balance wasnt lower only closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have been actively monitoring my consumer reports since XX/XX/year>. Recently XXXXXXXX XXXX are reporting a fraud account : Account number : XXXX Open Date : XX/XX/year>XXXX  to all credit bureaus on my consumer reports after being notified & Provided proof of my Identity theft & me Expressing I never had business with them nor the original creditors : XXXX XXXX XXXX XXXX of this fraudulent account. XXXX has deleted the account since, but XXXX is slow to action & reporting ( especially when it comes to accurate reporting & correcting errors ).
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXX XXXX  for {$8900.00} and all the inquiries that are NOT Mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  fraudulent accounts has been reporting under my name with experian and XXXX, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$450.00}