23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, Columbia Debt Recovery sent me an initial notice stating that I owed {$1800.00} and explaining how to dispute the debt. On XX/XX/year>, I formally disputed the debt via email, following their instructions, requesting validation under the FDCPA. I received an automated response confirming receipt of my dispute. 

Despite this, Columbia Debt Recovery never provided proof that the debt was legitimate or responded to my dispute. Instead, on XX/XX/year>, they reported a different amount of {$1600.00} to the credit bureaus without validating the debt, violating the FDCPA & FCRA. 

Additionally, XXXX XXXX failed to provide valid proof of the charges despite multiple in-person visits, emails, phone calls, and mailed requests from me to clarify the situation. My attempts to resolve this matter directly were completely ignored before they sent the debt to collections. I have proof of my ongoing efforts to dispute these charges and evidence that they are not valid but rather predatory. Given the lack of proper validation at both levels, I do not acknowledge this debt as legitimate.
Product: Debt collection

XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Subject of Complaint This complaint is filed by me, XXXX XXXX, asserting my status as a secure party with UCC1 filing number : XXXX. It concerns violations of federal consumer protection laws and privacy rights, as outlined in the attached FTC affidavit and supporting documents. 

Details of the Complaint Alleged Late Payments : Financial institutions and credit reporting agencies have unlawfully reported late payments on my credit report. Late payments are transaction- or experience-based information, which are not permissible for reporting under federal consumer protection laws. These actions violate the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting of impermissible late payment data constitutes a failure to comply with the accuracy and integrity requirements under 1681s-2. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Misrepresentation of the nature and status of alleged debts through the inclusion of impermissible late payment data. 
Unauthorized Bankruptcy Reporting : I did not consent to any third-party agencies, companies, or credit reporting entities reporting bankruptcy filings or associated information on my credit report. Reporting this information without my explicit consent constitutes a violation of my privacy and federal laws. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Unauthorized reporting of bankruptcy filings is a breach of consumer privacy rights under 1681c, which restricts the inclusion of certain information on credit reports.

Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 : Dissemination of unauthorized or inaccurate information is deceptive and unfair.

Attached is a letter from the bankruptcy court explicitly stating that they do not report information to any agency, company, or third party. This demonstrates that such reporting is not only unauthorized but also unsubstantiated by the primary source of the alleged data. 

Secure Party Status As a secured party under UCC1 filing number XXXX, I assert all rights and protections available under the Uniform Commercial Code and federal consumer protection laws to safeguard my privacy and financial interests. 

Desired Resolution I demand the following actions : Immediate removal of all late payment entries and bankruptcy reporting from my credit reports. 
A formal investigation into the reporting practices of the entities responsible for these violations. 
Full compliance with federal consumer protection laws, including adherence to FCRA standards for accuracy, privacy, and integrity in credit reporting. 
Financial restitution for the harm caused by these unauthorized and unlawful reporting actions. 
Attachments The following documents are included as supporting evidence : FTC affidavit dated XX/XX/year>, detailing violations of consumer protection laws. 
A letter from the bankruptcy court confirming they do not report information to third parties.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$910.00} XXXX XXXX XXXX Bank XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, XXXX and Equifax are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.
Product: Debt collection

I canceled service with XXXX XXXX XXXX XXXX in XXXX  in XXXX XXXX XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency Williams & Fudge , Inc. for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to XXXX XXXX XXXX, XXXX to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.
Product: Mortgage

Mailed payment for XXXX XXXX Received call after XXXX XXXX  XX/XX/20 from Homepoint where is the payment? They claimed they never received it. I told them I would investigate. I called them back the next day and advised it was NOT presented and would THEY check their system. THEY ASSURED ME THEY checked everywhere and THEY had no check. THEY ASKED for payment and I gave them another check because of THEIR ASSURANCE to me the check could be found nowhere in their system I issued one with a requirement that if my first check was found they would not deposit it otherwise I would have problems with a potential return for insufficient funds. I asked them to SAVE the call. Well low and behold XXXX XXXX they deposited a SECOND check. That check bounced and I was charged a fee. Then I received a collection notice FROM THEM with a {$25.00} fee and a demand for payment! When I contacted them they were not receptive. In fact rather direct in educating me that's the policy. I demanded review and call back but received neither. realizing they are a debt collector I waited until today and called back. I guess debt collectors can not get out of the mold. I Got the same " education '' and while they waived the fee as a one time courtesy but being cognizant of how they operate they were only intetested in payment.my opinion they REALLY COULD CARE LESS. Basically brushed my concern off.
Product: Debt collection

I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Product: Credit card or prepaid card

I have been a Gap card member since XXXX. I used to live in XXXX XXXX 6 years ago, and since have moved to Colorado, where I have resided the last 6 years. Last XXXX, Barclays sent a new Gap card to my XXXX XXXX address, where I was not living at the time, even though I had my address changed to my Colorado address through the Gap app. The new Gap card that was sent to my old XXXX XXXX address was somehow activated ( not by me ) and the person ( s ) who activated it made multiple purchases at Gap, XXXX XXXXXXXX, and Banana Republic around the XXXX XXXX area in the span of 5 days to an amount of about {$2000.00} worth of purchases. I have never spent that much ever on my Gap card in years, and all these purchases were made immediately after it was sent out to XXXX XXXX and activated. Since that time, collection agencies have been calling me to collect a debt of over {$2000.00}. I was not made aware until XXXX of XXXX, because I hadn't shopped at the Gap for months, and the card I had in my possession since XXXX was apparently expired, and the new card that was activated was a card I never knew about. I contacted my XXXX XXXX XXXX department, and an agent helped me navigate my case, and told me to write a police report ( which I have and was issued ) and we contacted the Barclays fraud department and made the claim. Barclays reviewed the information and refused to help, and said their information was correct, and they sent out the card to the cardmember at the address they had on file. The card was opened in my maiden name, ( XXXX ) and it was sent to the address I hadn't lived in for 6 years, which was in XXXX XXXX. Although I repeatedly told them that the information they had about me was incorrect and old, they refused to hear it, and told me they were not settling the case as fraud and I still owed a debt. They also could not explain how the card was activated when the perpetrator did not call from my phone on file, and they should not have had any personal information to activate it with. The last time I spoke to Barclays, the agent actually hung up on me, even though I was being completely respectful in trying to get an answer from them. I have a police report, I have proof I have lived in Colorado for 6 years, I have proof the charges were all made in the XXXX XXXX area in XXXX of XXXX when I did not reside there, I have proof my legal name is now XXXX XXXX and not XXXX XXXX, which the card was issued under, and I have proof I have barely charged so much as {$200.00} in XXXX year on my Gap card, let alone {$2000.00} in one week. I would like assistance in claiming fraud on this case, as my credit score has dropped significantly, and this is a burden on my life.
Product: Checking or savings account

Subject : Urgent Resolution Needed for Truist Account Issue Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention a pressing issue I have been facing with Truist Bank regarding my closed account, and I am seeking your assistance in resolving this matter promptly. 

Account Details : - Account Closed : XXXX XXXX XXXX  - Account Number : XXXX - Department : XXXX XXXX XXXX - Note left on XXXX XXXX XXXX   : " I can take {$100.00} out on this date ... '' Despite the closure of my account, I have encountered significant challenges in accessing the funds associated with it. I initiated a transaction from my business account at XXXX  XXXX XXXX to my Truist account via XXXX. Regrettably, Truist has stated that they are holding the funds under the pretext of verifying the transaction to ensure it is not fraudulent. 

The transaction in question, involving the movement of funds from my business account at XXXX  XXXX XXXX to my closed Truist account, has already been settled and remains unchallenged. The nature of the transaction was an internal transfer from myself to myself, with no external parties involved. Despite this, I find myself entangled in a prolonged verification process, and I am unable to access my funds. 

I have been patiently waiting for a resolution, but the delay has become untenable. I kindly request your intervention in expediting the resolution of this matter. I am eager to visit the branch and retrieve my funds immediately. 

I appreciate your attention to this matter and your assistance in facilitating a prompt resolution. Thank you for your time and consideration. 

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

On XX/XX/2023 this consumer attempted to contact Experian to request previous addressed be removed from credit report to which this consumer was redirected to the website as the request was unable to be made through the contact number. This consumer submitted a dispute online and sent a written request to have previous addresses removed. 

Under 15 USC 1681eb Bureaus are supposed to use maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Debt collection

Midland Funding , LLC is reporting alleged debts of {$3200.00} ( Acct # XXXX ) on my credit reports without any standing & in violation of the Texas Finance Code/Section 392. Their reporting is harming my credit reputation. Their actions are also in violation of the Texas Deceptive Trade Practices Act, actionable by triple damages. I have sent them the required 60 notice to cure per DTPA statutes and I intend to pursue a claim against their XXXX bond on file with the state of Texas. There is roughly 30 days left on the 60 day notice to cure. In addition, Midland is in violation of the Consumer Financial Protection Act of XX/XX/XXXX ( Administrative Proceeding File # XXXX ), as there is a standing consent order since XX/XX/XXXX. Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, as well as violations of the Fair Credit Reporting Act ( FCRA ) by [ Creditor Name ], concerning the following accounts listed on my credit report : XXXX. Account Number : XXXX XXXX. Account Number : XXXX These accounts have been reported with incorrect data that has negatively impacted my financial standing and overall well-being. 

I have diligently reviewed my credit reports and identified these erroneous entries, which allege late payments on the aforementioned accounts. However, I must assert that these late payments have never taken place. The inaccuracies not only damage my creditworthiness but also unjustly implicate my financial responsibility. 

The violations committed by [ Creditor Name ] are as follows : **Violation 1 : Inaccurate Reporting ( FCRA 623 ) ** [ Creditor Name ] inaccurately reported that I made late payments on account number XXXX, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional toll this has taken on me can not be understated. The mere thought of working diligently to meet my financial commitments, only to be unfairly labeled as someone who neglects their responsibilities, has caused severe stress and anxiety.

**Violation 2 : Inaccurate Reporting ( FCRA 623 ) ** Similarly, [ Creditor Name ] reported false late payments on account number XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 2 ). The emotional turmoil caused by these inaccuracies is immeasurable. To have my financial integrity called into question due to inaccuracies in my credit report has not only hindered my ability to access credit but has also cast a shadow over my sense of financial security.

I implore the Consumer Financial Protection Bureau to enforce the provisions of the Fair Credit Reporting Act and facilitate a resolution to this matter. The emotional toll of these inaccuracies on my mental health and overall quality of life is profound. I hope that the significance of this story underscores the urgency of correcting these violations and addressing the emotional harm inflicted. 

I kindly request that you intervene on my behalf and ensure that [ Creditor Name ] promptly removes these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to rectify the damages caused by their inaccurate reporting. 

Thank you for your attention to this matter. I am grateful for your assistance in resolving these violations and helping me regain control over my financial reputation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the PRA ombudsman as well with no luck. Illegal and shady practices by PRA.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> 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.