23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Party Owed : XXXX Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and First Franklin . First Franklin the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. First Franklin did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

First Franklin subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to XXXX. Because First Franklin was barred from any further collection of deficiency the order would follow the chain of sales of account. 

XXXX has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with XXXX. XXXX has no rights of collection. XXXX provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

XXXX also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and XXXX on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to XXXX on XXXXThis case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Transunion on XX/XX/2020 and XX/XX/2020 Document # XXXX and # XXXX. The letter requested the company verify the account listed, provide me with copies in their files as of XX/XX/2020 that were used to verify the accuracy of accounts Transunion has listed on my credit profile. Under fair credit reporting act, 15 U.S.C. 1681g I have the right to demand the disclosure of all documents they have recorded and retained in their file at the time of my request concerning these accounts. My request indicated for Transunion to remove the documents in their files if they did not have documentation as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
In response to my written request Transunion responded with a letter dated XX/XX/2020 indicating they were unable to process my request because they were not able to determine the nature of my request or my request was illegible. To investigate information contained in my credit report type or print account name and number and specify why i was disputing it ( for example, this is not my account, I have never paid late, etc ). 
The accounts I requested Transunion provide this information on are XXXX XXXX, Dept Ed/XXXXXXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed : ALLY FINANCIAL Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( Ally Financial Vs XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.
Product: Credit card

CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account XXXX : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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

You are reporting this collection an " open account. '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.

FDCPA section 807 violation. Misleading false reporting. Remove account immediately Account XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a large sum of money was taken out of my account. The sum of {$4500.00} was deplete from my account. This was done in the California area. I discovered this the next day which was XX/XX/XXXX - I then went to the bank ( Bank of America ) and reported the fraud - the associate helped me to put a claim in. I also reported the fraud to my local police department which is in XXXX XXXX, Florida where I reside. I closed all my old accounts and open new ones with the bank in case my information was still out there. I have sent all the necessary information to Bank of America for the past two months trying to get my money back. I keep getting denial from the bank. They claim I gave some one my pin number which is impossible. I have bank with company for the past twenty plus years - In the past I have tried to withdraw money from my account and was told I have reached my limit withdrawal and then was notified by the bank. I have never been to California and I do not know anyone there. It was puzzling to know that amount could be taken out with a red flag alert to BOA. I am very disturb about the security of my money. Please advice me what other steps to take to get my money. 

Thank you for your consideration on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting

I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
Product: Vehicle loan or lease

I was involved with a car loan company which sold my account to a third party that I never had a contract with, I never recieved any information about this company, and now it is effecting my credit.
Product: Debt collection

i received a letter  from Midland credit, I disputed the collection requested verification and validation which was not received. I received a letter stating I created a payment plan and made a payment to Midland, I wrote Midland  disputing that I have had no contact nor made a payment and did not receive a response. I also disputed this with  XXXX  which they removed but   XXXX    and  XXXX   XXXX  refuse to remove, documents were sent as well. In addition, this has changed the date for the statute of limitations on this account and will now the new date is a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX   Account # 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

XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. I c alled XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and LexisNexis are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX, MI XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; XXXX XXXX XXXX is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.
Product: Checking or savings account

On XX/XX/XXXX I sent my money ( {$2300.00} ) from my Venmo account to my friends Venmo after being told it was okay to do so. After I sent money to my friend account the following day the funds were returned to my account. Then my account became frozen with funds stuck into my account and I was told I cant get money out my account for 180 days because the Venmo account specialist said that was a violation of user agreement. I constantly contacted Venmo letting them know I need money to pay my bills and that I believe my account was frozen incorrectly because I was told that it was okay for me to send money to my friend. Company is vague with responses and told me that my account is closed and Ill have to wait until XXXX to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Debt collection

The Company in question is Cascade Capital XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX  for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The  garnishment took place on the payroll of XX/XX/XXXX and XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX XXXX XXXX called in reference the delinquent auto account from XXXX. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from XXXX and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until XX/XX/XXXX to pay it in full. On XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency Cascade Capital XXXXin referecnce the same debt. I was furious and notified XXXX XXXX XXXX XXXX in referecnce the garnish and they stated that XXXX have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on XX/XX/XXXX so I tracked down the contact for Cascade Capital XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from XXXX. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. XXXX is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by Cascade Capital. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by Cascade. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and Cascade have grievance against XXXX for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need Cascade to cease garnishment and pursue XXXX or XXXX XXXX for settlement. I am not paying twice for the same account and Cascade now is trying to charge me more than what I had already settled for. 

Contacts Cascade Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issue date XX/XX/year> Claim number : XXXX Check number : XXXX XXXX never made corrections to my credit reports. Removing all negative information.
Product: Credit reporting or other personal consumer reports

So a lot of the things that was reported was fraud and its stoping me as a mother of 5 taking care of my kids. I have tried numerous of time to get those things removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

I shopped around when trying to refinance. XXXX, XXXX XXXX, Amerisave, along with 2 others ... Amerisave had the best APR. So I started the process. {$500.00} application fee? Ok, figured I'd save that with the difference in interest easily. Loan originator told me " that's why I love my job, to beat the rates and compete with the big guys. '' In hindsight, they probably train them with that line. 2 months later, after they were terrible getting back with me via email or phone, they denied my loan due to DTI ( debt-to-income ) being " just off. '' I was refinancing to consolidate some debt. You would think that they may actually offer to adjust the numbers to make the loan work and have a new customer, but NOPE they just simply said " I'm sorry we couldn't make it work. '' Makes me think they are a scam company! Conservative figure of " processing '' XXXX applications a month at {$500.00} a pop ... XXXX XXXX XXXX that's a Mil right there. 

And I noticed that your Bureau fined them for the exact same thing back in 2014. They paid the fine and are continuing with the bait and switch fraud scam!!
Product: Credit reporting

XXXX XXXX bank is appearing on my credit report as a authorized user. i have not asked nor authorized to be added as a authorize user to this account. please delete this account from my credit profile