23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Requested validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if XXXX XXXX XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, specifically 15 USC 1681 section 602, emphasizes the necessity for consumer reporting agencies to fulfill their significant responsibilities with fairness, impartiality, and a commitment to safeguarding the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information remains confidential, a right supported by 15 USC 6801, which articulates that it is the policy of Congress for each financial institution to maintain an ongoing obligation to respect customer privacy and to protect the security and confidentiality of their nonpublic personal information. Under this statute, a " furnisher of information to credit agencies '' qualifies as a financial institution.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may provide a consumer report only under specific circumstances, including adherence to the written instructions of the consumer involved. Neither XXXX nor XXXX, as consumer reporting agencies, possess my consent to disclose my information, nor do they have any written authorization from me. I hereby revoke any and all forms of consentbe it verbal, non-verbal, written, implied, or otherwisethat may have been granted to XXXX, XXXX, or any other furnisher of information to credit agencies. 

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise their nondisclosure option. I was never made aware of my right to opt for nondisclosure. Moreover, 15 USC 1681c ( a ) ( 5 ) states that, except as permitted under subsection ( b ), no consumer reporting agency may produce a consumer report that includes certain adverse information.

It is prohibited by law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), " No individual shall provide any information pertaining to a consumer to any consumer reporting agency if the individual is aware or has reasonable grounds to suspect that the information is inaccurate. '' Furthermore, 15 U.S. Code 1681e mandates that " Each consumer reporting agency must implement reasonable procedures aimed at preventing violations of section 1681c of this title and to restrict the provision of consumer reports to the purposes specified in section 1681b of this title. '' It appears that XXXX and XXXX are failing to uphold reasonable procedures. Additionally, 12 CFR 1016.7 asserts that " A consumer has the right to opt out at any time. '' Therefore, I am exercising my right to opt out of your reporting services.
Product: Mortgage

I closed and the closing agent they sent me to swears that she provided all documents to the lender. I have tried through my loan officer at XXXX XXXX  to get an answer about what " document '' they say is missing. They have not provided this information even after escalation. I have still not received funds. This is not the first problem I have had. They also repeatedly requested a copy of my photo ID and every time I provided it they would say that I had not. This continued until my loan officer again intervened.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. YOU ARE IN DIRECT FEDERAL VIOLATION.
Product: Debt collection

The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.
Product: Checking or savings account

I wrote to Citi on XX/XX/year> : My CD IRA account ending with XXXX ( the complete number is curiously kept secret from me ) still is not listed among my IRA accounts on line preventing me from managing the account ending with XXXX on line. 

In their response letter with Reference BPMS XXXX they essentially stated that they will not disclose to me my own account number because it is not safe to do so, and they chose to ignore my main request which is to include the mentioned account for online access
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022, I tried purchasing a flight ticket on the XXXX XXXX. My card was charged twice for the same ticket. I never got a second confirmation flight number in order for me to cancel. I called XXXX and my bank multiple times that week informing them the issue. This is ridiculous at this point. My {$370.00} went somewhere and neither XXXX or Wells Fargo will do anything about it.
Product: Debt collection

File number : XXXX I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report immediately. Reporting information that you know to be inaccurate, or failing to report information correctly, violates The Fair Debt Collection Act. 

* The original creditor 's name and contact information * A detailed breakdown of the debt amount, including principal, interest, and fees. 
* Documentation supporting the validity of the debt, such as a copy of the original contract signed. 

Also be advised that I am keeping accurate records of all correspondence from you and your company in false representation, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt I do not owe to your client. The Fair Debt Collection practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ) and 15 U.S. Code 1692 ( e ) - False or misleading representations debt collecting practices
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXXXXXX, # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I received an Email from Chase Executive in regards to my previous complaint Complaint ID number XXXX with a contact number. I made contact with Chase Executive Representative named XXXX. Upon our conversation she asked me questions regarding my complaint but would not allow me to answer acting very unprofessional and rude by cutting me off in the middle of answering her questions. I was treated with no respect or and not able to speak to XXXX in a civil manner trying to get JP Morgan Chase Bank & Co. and or Chase Executive Office to correct civil rights violations they have committed against me. I was also told by XXXX that I would receive an answer to my complaint and requested resolve statement that I wish for JP Morgan Chase Bank to do to fix the problem and to no avail I did not receive any response back from Chase Executive Office or any of their representatives.
Product: Money transfer, virtual currency, or money service

I've contacted Capital One several times the last 30 days and still not able to get access to my money. I was told I needed to create a access code since my account is blocked and still after several weeks not able to have access to my funds
Product: Mortgage

I applied for assistance in saving my home from foreclosure with my servicer PNC Mortgage. I was denied for a loan modification and was offered instead to short sell my home. I hired an attorney / real estate broker to handle my paperwork and sale of my home. On XXXX XXXX, 2016 I was denied for assistance. My denial letter ( Attached ) states I can appeal my denial by XXXX XXXX, 2016. However my servicer PNC has set a sale date on my home for XXXX XXXX, 2016 and they state they will not extend that sale date. My attorney email 'd an appeal to that denial on XXXX XXXX, 2016 and PNC has not yet replied to that appeal. My attorney spoke with PNC advising them that they would be violating RESPA XXXX XXXX XXXX XXXX ) by continuing with the sale of my home while my appeal period was still in effect. I have this offer in writing ( see attached denial letter ). I simply want PNC to give me the opportunity offered to me both in writing in their denial letter as well as is offered by RESPA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
Product: Mortgage

XXXX XXXX sold our loan to Fay Servicing LLC. Our first payment to them was for XX/XX/2019. I paid the exact amount {$520.00}. It cleared our bank XX/XX/19. My husband was notified last week by our acct manger that they had not received payment and was asked if hed like to make another. We called the bank and had them fax Fay a copy of the front and back of the check. I also emailed the bank statement showing were it cleared. He told us that the bank statement should be all we need and he would be in touch with us. We havent heard anything in the status. Yesterday ( XX/XX/19 ) I went through their website to pay because I was afraid to pay through bank again. They are showing we owe for XX/XX/XXXX AND XX/XX/XXXX. I called and had the bank fax them ANOTHER copy of the cleared check from XX/XX/XXXX at the acct managers attn. No one will answer or return our phone calls. I logged on this morning to see our balance and they are saying we owe for XX/XX/XXXX. So, they posted the payment to XX/XX/XXXX. However, it has not cleared the bank yet. I have saved the emails, I have the bank statement and copy of the XX/XX/XXXX check, and the copy of the confirmation where I paid yesterday along with the paper bill with a 2 month balance owed. Im afraid these people are going to ruin our credit. I spoke with an attorney yesterday and her advice was to refinance. Well, weve thought about that. However, when XXXX XXXX sold us ... our credit score took a huge hit. So we wouldnt get the best interest rate. Im just exhausted from dealing with all this.
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES CONTINUE TO REORT INACCURATE AND INCOMPLETE INFORM, ATION ON MY CREDIT REPORT. I recently requested a investigation and a reinvestigation into an account that is reporting. I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is reporting. 
I'm seeking proof of the alleged debt under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and Experian credit report :XX/XX/XXXX XX/XX/XXXX ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XX/XX/XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.