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

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for me filing this complaint is due to Portfolio Recovery Associates failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA.
Product: Credit reporting

XXXX is reporting negative information on a prior balance with XXXX. This balance has been paid and resolved, however it is still showing in collections on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my Transunion report now 3 times, twice through Transunion directly and lastly once through CFPB ( XX/XX/XXXX ). I received a response today that the account XXXX XXXX XXXX # : XXXX was verified and updated. Transunion is still reporting inaccuracies which I am attaching screenshots. The balance has now gone down from {$450.00} to {$450.00} from last month, activity date is showing to now be in XX/XX/XXXX and I have not made any payments or done anything to this account for its activity date to be updated nor the balance to change. The balance has been changing from {$450.00} to {$450.00} back and forth every month and is done in malice to cause great harm to me personally. This account has not been properly investigated or verified and I have not been furnished in how Transunion supposedly verified it. The open dates, activity dates, last active are all also inaccuracies. I believe that Transunion has had enough time to properly investigate and verify this account as I first filed a complaint with them last year on XX/XX/XXXX and sent it through certified mail. I believe at this point Transunion is acting with malice to intentionally harm me personally. I request that this account be immediately and permanently removed from my credit report as it is continuing to willfully report inaccuracies which is a violation of my rights and laws, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Product: Mortgage

The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.
Product: Credit reporting or other personal consumer reports

As previously reported I requested my old addresses removed from credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MEDICAL REVENUE SERVICE d/b/a MEDICAL DATA SYSTEM INC. ( hereinafter MDS ) is in violation of 15 USC 1692, the Fair Debt Collection Practice Act ( hereinafter FDCPA ), for failing to comply with the following provisions : 1. MDS uses a trade name and not its true name in an attempt to collect alleged debt. 
2. MDS caused my phone to ring multiple times at inconvenient times and during times I was at my place of employment with the intent to harass. 
3. MDS never had my direct consent to communicate with me and did so via mail and phone 4. MDS multiple deceptive forms to deceive me, the consumer, into believing that I owed an alleged debt.

5. MDS used false character amounts in an attempt to collect an alleged debt. All four individual accounts requested I pay on a positive balance.

I received 2 communications from MDS on XX/XX/2022 requesting I pay an alleged debt that is allegedly owed to them on behalf of XXXX XXXX XXXX XXXX. I responded to MDS communications with notices that were sent on XX/XX/2022 and received on XX/XX/2022 via USPS in which MDS 's validation was due 5 days from receipt. MDS failed to meet the requirements of providing validation for me to see thus nullifying these false claims. MDS used my personal information to create 4 different accounts without my consent which is aggravated identity theft pursuant to 18 USC 1028A. I have never done business with MDS nor do I have a contract to do business with MDS ; therefore, I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO MDS AND I DO NOT CONSENT TO CONTRACT. MDS is now civilly liable to me under 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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  THESE INQUIRES DO NOT BELONG TO ME. 
THE ADRESS DO NOT BELONG TO ME MY CURRENT ADDRESS IS XXXX XXXX XXXX. 
THE EMPLOYER DO NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.
Product: Mortgage

I have been getting the run around with JP Morgan Chase bank on a home loan modification. The program ends at the end of the month and from Chase 's lack of action they are trying to run out the clock. Lost documents, documents not received, and they had my wrong number. There have been several folks working on my modification. The main person handling my concern had the wrong number to reach me at. Chase does not allow these representatives to email and this ends up wasting time.
Product: Checking or savings account

On XX/XX/XXXX I saw a posted fraudulent transaction in my account for XXXX XXXX sent to XXXX that I didnt even know about until I noticed I was missing money. I did not receive any notification or authorization for the XXXX transaction of XXXX XXXX Got denied less than 24 hours for the dispute. Just dont understand why would I get denied. I never been a Victim of such fraud like this. I dont use XXXX XXXX I try not to use any apps like that. Also had another weird transaction with XXXX XXXX for XXXX $ on XX/XX/XXXX but won the dispute about that but not for XXXX. Im trying to understand how they got into my XXXX XXXX & XXXX but I didnt authorize anything. Made the dispute for XXXX XXXX transaction on the XXXX & they closed my other debit card & issued a new one. I made the dispute for the XXXX transaction on XX/XX/XXXX through the chat on Sofi app but it was received on the XXXX cause I got emailed about it. On XX/XX/XXXX XXXX from Sofi Bank basically said After conducting a thorough investigation, we are unable to provide a credit for your claim. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the other financial institutions, and our payments processing network as necessary. This claim is now closed. Less than 24 hours of the dispute. That was to fast of an investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then 24hrs stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX XXXXXXXX XXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
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 XXXX
Product: Credit card or prepaid card

1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed today that yesterday on XXXX XX/XX/2022 a hard inquiry appeared in my credit report that I did not authorize. It was labeled at " XXXX. XXXX XXXX  '' and had no other business information except the name UNIVERSAL CREDIT SER. I have not authorized a hard credit pull on my account and do not know this company. It is fraudulent.
Product: Credit card or prepaid card

I have the Bank of America Premium Rewards credit card. The customer service at Bank of America has deteriorated to the point that it is nearly impossible to get assistance from any agent. You are given a confusing labyrinth of an automated system which simply hangs up on you if you make a wrong selection. If you are lucky enough to reach a customer service agent, they will tell you they can't help and transfer you to another department that will refuse to help as well. That is what happened when I called today. My credit card allows for a {$100.00} airline incidental rebate per year for incidental air travel purchases ( see attached ), such as WiFi or baggage. If the airline does not code the purchase correctly, you must call and provide proof that it was a qualifying purchase and they will manually adjust the balance for you. Recently, I took a two domestic flights on XXXX XXXX ( a qualifying airline ) and purchased WiFi ( an eligible charge ) for {$12.00} and {$16.00} for each leg of the flight. Due to the fact that this is billed by XXXX and not directly by XXXX XXXX, it is something that would need to be manually adjusted, which is what I was calling in today for. Attached you will find the credit card receipts showing the qualifying airline and amounts corresponding to my Bank of America credit card statement, as well as confirming it was for WiFi - again an eligible purchase. I ask that Bank of America please apply my travel credit to these eligible purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$4700.00}, XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XXXX, XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}, XX/XX/XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Equifax, XXXX  and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and there was a checking account established with XXXX XXXX  with a line of credit attached that they used to overdraft the fraudulent account. I have tried to contact Chexsystems in getting the item removed but have been unsuccessful there was also some inquiries with XXXX XXXX XXXX that was showing as well I never applied for anything with that credit union.
Product: Mortgage

Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property. 
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month. 
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX. 
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. 
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property. 
A NOD has been already filed, even though we were in the middle of a Loan Modification process.
Product: Credit card or prepaid card

Good Morning, I hope that this email finds you well. I need help with a dispute with American Express that I have been having since XXXX. 

I made an ACH payment to American Express on XXXX/XXXX/2016 in the amount of {$410.00} and the payment never was applied to my account. American Express has informed me that they have found the transaction but they have also informed me that they ca n't find the transaction. They keep closing the the investigation. I have proof from my bank XXXX XXXX and American Express that the payment was made and received but the payment is not being reflected on my account. American Express claims that I made a payment on another card members account which i never would have done because my account is a corporate account used for Travel Expenses for XXXX. 

Can the CFPB assist in this matter? I have been dealing with American Express for nearly 4 months. 

My Best XXXX
Product: Student loan

Navient failed to apply my approved borrow defense discharge to my student loans. They also failed to forward the approval letter to XXXX. I was approved for borrower defense on XXXX XXXX. Per the Borrower of Defense the approval letter was sent to Navient on XXXX XXXX. My loans were not completed to be consolidated and switch over to XXXX until XXXX XXXX. Navient did not submit any of my approved information to XXXX so my loans were never discharged due to their negligence. Navient continues to violate my rights .Navient states they no longer service my loan but failed to apply the discharge before it was transferred over and refused to submit paperwork of approval to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account from Conserve ending in XXXX listed on my credit report. I believe that this reporting is not in accordance with the Fair Credit Reporting Act ( FCRA ) and is therefore inaccurate. 

The collection account in question was purchased by a collection agency for XXXX on the XXXX and is not being reported by the original creditor ( XXXX ), whom I settled the account with directly. The collection agency involved was not part of the original debt agreement or settlement, and as such, they should not be reporting this debt as if it were valid or paid through them. 

The inaccurate reporting of this debt by the collection agency is misleading and violates the FCRA requirements for accurate credit reporting. I request that the Consumer Financial Protection Bureau investigate this matter, as I believe the collection account is being reported incorrectly by the credit bureaus and should be removed immediately. 

I have already submitted a dispute to the credit bureaus, but I am seeking your assistance to ensure that this error is corrected and that my credit report accurately reflects the settlement I made with the original creditor. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to assist with the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER PORTFOLIO SVC account number XXXX on my credit report was tagged to be CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.
Product: Checking or savings account

Charged over staff fees for multiple times with the oops program
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted an FTC Identity Theft Report and Police Report along with other documentation showing that my personal information was compromised. There were 3 fraudulent accounts opened in my names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.
Product: Debt collection

On XX/XX/2019 I got a call from a company call XXXX XXXX. They told me that I owed Advance Financial {$900.00}, when in truth this being paid through an attorney and the amount is much less. The only information I have about this company is that the phone number is XXXX XXXX XXXX and it is from XXXX TN. I am not able to find an address.
Product: Debt collection

XX/XX/2022 is when I been getting calls from debt collectors from Comenity Bank and XXXX. I finally called Comenity in XXXX 2022 to make a payment agreement to pay {$35.00} a month for 6 months. For XXXX I recently paid {$25.00} towards a past due and Im having a hard time paying both debt collection off. I been getting phone calls from different numbers and voice recordings stating that they want me to pay my debt everyday.