23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is based on violations of the FCRA, the FDCPA and MGL c.93A of the Massachusetts Consumer Protection Act by the Respondent. 
___ On XXXX XXXX 2019, I reviewed my credit reports and saw a collection account reported by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA and Massachusetts law. 
___ OnXX/XX/XXXX2019, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials required by Massachusetts law 940 CMR 7.08 ( 2 ) to validate the debt. Attached please find a copy of my certified letter to this complaint. 
___ At no time did the respondent reply to my letter or validate the debt. 
___ On XXXX XXXX, 2019, I then disputed the account with the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by Massachusetts law and the FDCPA. 
___ In the second week of XXXX 2019, I received the results of the re-investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, by telling the credit bureaus that they verified the account. 
___ It is well settled case law that verifying a debt to the credit bureaus before validating the debt to the consumer is the failure to cease collection of the debt, in violation of the FDCPA. See Semper v. JBC Legal Group 2005 WL 2172377, _*4 ( W.D. Wash. 2005 ). 
___ The Respondents failure to send validation of debt can only be construed that they do not have these materials in their possession. By verifying information to a credit reporting agency without account-level documentation, Respondent violated section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 
___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they have continued collection activity while failing to  validate the debt. 
___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies. 
___ ( d ) Violation of the FCRA 15 USC 1 681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports. 
___ ( e ) Violation of 940 CMR 7.08 ( 2 ) and MGL c.93A 2 in that they failed to cease collection of the debt before providing the materials required by Massachusetts law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud, I have submitted police reports also saying proof of the loan fraudulently being obtained in my name and also that the repossession should be removed. I have been denied removal of account from my credit reports and refused any response as to why this decision was made
Product: Credit reporting, credit repair services, or other personal consumer reports

I set out to improve my personal credit XX/XX/2022. I sent a certified dispute letter with tracking numbers XXXX XXXX XXXX XXXX XXXX to CAPITAL ONE. They never responded to my dispute letter however they continue to report updates to this inaccurate account on my consumer reports. 

I also sent certified dispute letters with all three credit reporting agencies regarding the inaccurate CAPITAL ONE account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting different information on each credit reporting agency. This account has caused multiple missed credit opportunities. This has been a very stressful situation for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to XXXX USC XXXX ( a ) XXXX XXXX  XXXX bal {$0.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We have 2 loans w/ Loan CarXXXX XXXX. We were in a Forbearance plan for both, however we continued to make regular payments during the forbearance period. 

Loan Care misapplied or didnt properly credit our payments to the loans. 

Because were afraid of losing one home, & being forced to take a 40 year loan on another, that we only owe {$27000.00} on, were forced to find loans in order to borrow to payoff the loans. 

Loan Care wrote us saying we were in default on one, even though we followed their Modification terms properly & they are forcing us to refi for a unreasonable amount of time, 40 years on the other. 

We have asked for payoff letter verbally, multiple times & went to myloancare.com & requested a payoff. It took us over several weeks, after multiple requests to finally get one & the interest charged on the payoff letter is drastically Overstated. 

Theyre trying to charge us interest for a Full Year, instead of a month/fraction of a month. 

This interest Overcharge is added to our payoff statement & we believe that our Principal is overstated, because our payments were not applied Properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit through XXXX XXXX as Ive been trying to pay off everything. I noticed that my TransUnion score dropped 35 points in one day. So I called TransUnion. They proceeded to tell me my account was inactive and they couldnt provide me with any information about my score. They couldnt explain to me how it was possible why it was marked inactive, but she eluded that it would become active if I was paying for monitoring. I refused to pay then I was told to dispute online, which I proceeded to do only to find they want my credit card information. They will not help me at all without payment. I have also tried to find a phone number to speak to someone at credit karma without success. Im trying to fix past mistakes and get my credit in order only to find out that Im at the mercy or orgs that dont really want to provide any customer service. What are my options?
Product: Credit card

Opened an XXXX card and have been paying on time as well as using card for purchases american express started to remove features and other benefits from my card. As I do pay a member fee like all other members i expect to have the same benefits and features as those with the same card. After several long chats and calls they refuse to assist me as a member. After checking my credit and looking at what could cause this there was only one reason it was discriminatory on my race, religion or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related to me
Product: Mortgage

Shellpoint Mortgage company doesn't report my on time payments in my credit bureaus. I paid for XXXX and the payment doesn't show up on my credit report. They're delaying reporting my mortgage payments and that is hurting my credit score every month
Product: Checking or savings account

I was told by Wells Fargo Representatives on XX/XX/XXXX that I signed up for Overdraft Services during XX/XX/XXXX, but the company cant tell me when exactly I signed up and I don't recall I gave authorization for this service. 

Removed overdraft 'services ' from account XX/XX/XXXX.
Product: Debt collection

I received a phone called from a third party phone number XXXX-XXXX-XXXX who told me to hold someone want to talk speak with me it ... .. it was debt collector attempting to collect a debt from JCPenny which I was told if I did not pay the amount in full I would be arrested.. however this debt collector is not authorized to collect debts in the State of Texas..The person on the other end of the phone was speaking so fast I could not get the completed name of the third party company that was use by this particular collection agency.. I told the them I was going to report to the FTC.. because I consider this harrassament. The person at the said number ask to be reported to the FTC so I am..
Product: Debt collection

XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. 

We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. 

I then received a call from a collection agency saying I owed XXXX XXXX. 

I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. 

I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. 

I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.
Product: Credit reporting 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. 

Account name : XXXX  # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX XXXX # XXXX ( XXXX XXXX XXXX ( XXXX ) Account name : XXXX # XXXX ( XXXX ) Account name : XXXX XXXX  # XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX  XXXX # XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( equifax ) Account name : XXXX # XXXX ( XXXX ) Account name : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ( equifax ) 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 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.
Product: Credit reporting or other personal consumer reports

The following section refers to information provided to Early Warning about closed bank accounts. 
Contributor : XXXX XXXX XXXX XXXX Contribution Ref # : XXXXXXXX XXXX  Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : XXXX Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud
Product: Credit reporting or other personal consumer reports

I have a 60 day late payment on my credit report from XXXX XXXX. I have never been late on my credit card. I am asking XXXX  XXXX to remove the late payments! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Updated XXXX, XXXX Payment Status Pays account as agreed Worst Delinquency 60 days past due Balance {$4300.00} Credit Limit {$12000.00} OLDER DEROGATORY EVENTS XXXX XXXX XXXX  XXXX ( Revolving ) Older Derogatory events Equifax XXXX XXXX 30 days late XXXX, XXXX 60 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I tried to apply for a credit card and was told that I had a charge off from XXXX XXXX XXXX. I contacted them and found out that at XXXX, there was a fraudulent account opened in my name. I disputed the information with the credit bureaus and bank. The bank has not removed this information and told me that a XXXX year old can open a credit card but I never opened this account. The address and date of birth is not the same as mine. I have tried to resolve this and still havent been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express fraudulently opened a credit card in my name. After trying endlessly to get them to remove the card it still shows up in their system under my account and has been reported to the credit bureau. There are no charges on the account nor were there ever charges ; it just never should have been opened. They have assured me that it will be removed however those were just lies to get me off the phone. You are not customers to American Express. You are cows to be milked.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX YOU ARE MY REPORTING THIS COLLECTION AS AN " OPEN ACCOUNT '' WHICH IS NOT UNDER FCRA COMPLIANCE. THIS IS INACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.
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 studying 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 2 out of 3 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. these are the accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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

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. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name:XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX. 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 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.
Product: Credit card or prepaid card

I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card
Product: Debt collection

I requested a debt validation letter on XX/XX/XXXX and I still havent received one yet. They refused to send me one within 5 days
Product: Checking or savings account

Hello, On XXXX XXXXXX/XX/2022, I deposited in person at Citibank, an {$8000.00} check I received from the XXXXXXXX XXXX. The next day, I deposited XXXX smaller checks via mobile deposit. On XXXX XXXXXX/XX/XXXX, I learned that my account had been closed due to unusual deposit information. As a result, they informed me that my balance had not reflected any funds from any of those deposits. When I contacted the casino, I learned that they check had indeed been cashed on the XXXX of XXXX. I am in desperate need of those funds as I have a foreclosure court date approaching on XX/XX/XXXX and I need to have my balance paid to date. Citibank does not have any information regarding where I will receive my funds but said it could take up to XXXX XXXX, This is outrageous! How is this legal?
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and another XXXX XXXX They could not provide me with the following information : 1. Name and address of the original creditor 2. The amount of the alleged debt 3. Itemized statement of the alleged debt 4. Proof that they are authorized to collect this debt on behalf of the creditor. Verification of debt is within the statute of limitations. I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.