23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After being contacted by Western Mercantile regarding medical debt and learning my husband was being garnished for a debt, I requested complete verification of all debts they claimed to belong to me. I requested to receive all information I am entitled to to assist me in verifying the debt and specifically requested a complete accounting ledger of each debt that included all information I am entitled to as a consumer ( name of the original creditor, associated account number, itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records, current amount of the debt as of when the validation notice is provided, etc. I was instead mailed a basic list of each debt amount with account numbers and original creditor names. I again contacted Western Mercantile to request the complete itemization of each debt per the Debt Collection Rule that became effective XX/XX/XXXX  and was repeatedly told I was provided all the information they were required to provide but that they would 'put my accounts back in dispute ' and send me another copy of what I had already received for verification of the debts. The next verification document I received following that call differed from the first as the debts were not consistent with the first validation document and I still was not provided any itemization. I called again to ask about this and was told by XXXX that they were not required to provide anything else. I asked her to provide all open account numbers they had listed as my debts and the current balances and the information provided was also inconsistent with the letter I had received just two weeks prior. I again asked for a complete itemization of each debt and was told again that I had already been provided all information I am entitled to for verification purposes however multiple accounts have balances significantly higher than the documentation they provided for those accounts.
Product: Mortgage

On XX/XX/2021, my wife and I decided to payoff our mortgage being serviced by Amerihome Mortgage of XXXX, New Jersey. I called their listed customer service number and, after significant delays due to their audio response unit, we were able to talk to a human being, identified as " XXXX '' and, another later as " XXXX ''. I was given a payoff amount of {$360000.00} on account number XXXX. I specifically stated to XXXX that I would be putting a personal check in the mail for that amount the next morning with no comment from her. I mailed the personal check on XX/XX/2021, knowing that it would take the company necessary time to ensure the funds were available before clearing the mortgage. 

I watched their website for my account to be updated in some way. I looked at it regularly until deciding to call them on XX/XX/2021, concerned that I had heard nothing and the account was not updating in any way. I was then told by " XXXX '' that the check had been received, but that a personal check was not acceptable and they didn't process. I asked since I could make regular payment online, could I then pay it off online. That was not acceptable either. Only a wired transaction was acceptable. I asked him then could I go to my bank and wire that amount or did he need to recalculate. He said if he did then it would be more and I should just send the stated amount. I immediately same day went to my bank and wired {$360000.00} to Amerihome. 

The money was, of course, immediately taken from my checking account, but two days later I called Amerihome again ( always a painful experience due to delays getting to a human being ). I was then told by " XXXX '' that the wire was inadequate because it was now short. I asked to talk to a supervisor, but was told that would take some time and because they needed to " complete some paperwork '' before I could talk to a supervisor. I suggested they do their paperwork and have the supervisor call me. They said okay, but would be 24 -48 hours before I could expect a call.

I never got a call from Amerihome, but my local bank called the next day to say they had gotten the funds back by wire with no explanation and were crediting my account. 
Because it was Friday, XX/XX/XXXX, I elected to wait to Monday, today, XX/XX/XXXX, when I called Amerihome again and got a new payoff balance of {$360000.00} and required them to give it to me in writing by email. I received the email and immediately went to the bank and wired the request amount. Because of Amerihome 's bureaucracy and inefficiency, I paid {$400.00} in interest and {$60.00} in wire fees unnecessarly than if they had simply processed my check
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXN 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX. My only Phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Specifically, I disputed the following entries on my credit report XXXX XXXX Account {$15.00} {$270.00} also I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. Additionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. Please provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. If you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in the FCRA.
Product: Debt collection

THE THOMAS AGENCY, INC. will not stop calling me to ask for a debt which I do not owe. I all ready filed a complaint and nothing happened, I've tried calling them and they refused to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mysterious foreclosure being reported to my credit report from XXXX XXXX. It is reporting a mortgage. This is not my account. I sent letters to the credit bureaus but I have not received any correspondence back. I would like to get this error removed from my credit report.
Product: Credit reporting or other personal consumer reports

After discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, XXXX, XXXX and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that XXXX, XXXX and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX
Product: Credit reporting or other personal consumer reports

As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 XXXX has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against I Q data international for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given I Q data international any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with I Q data international and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving I Q data international any right to collect on this alleged debt. It is my belief that I Q data international is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from I Q data international before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If I Q data international can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I Q data international can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and I Q data international continues its collection efforts I will file for litigation for actual damages caused and I Q data international will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also I Q data international has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. I Q data international has increased the debt amount five times unlawfully in attempt to coerce me to pay an alleged debt for they have no proof belongs to me when they have no lease with my signature which has to be in result of identity theft.
Product: Checking or savings account

CitiBank closed my account suddenly with no explanation. I received an email saying that I could withdraw my funds from the branch. So I drove 4 hours to the nearest branch just to be told that I would not be given my funds. I was provided no explanation or reason as to why. I would live to have funds sent back to me immediately. My current balance that is being withheld from me is {$2400.00}. It has been over 2 weeks now.
Product: Debt collection

Equifax and XXXX XXXX have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment XXXX XXXX Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXXXXXX XXXX  Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my credit report for a few years. I have other names and accounts the may have been confused with my personal credit file. My name is XXXX XXXX XXXX. PLEASE DELETE ANY VARIATIONS OF MY NAME. MY CURRENT ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX PLEASE DELETE ANY OTHER ADRESS ON MY FILE THEY ARE NOT ACCURATE. THE FOLLOWING ACCOUNT I DON NOT HAVE ANY CONTRACTS, BILLS OF SALE, OR DISCLAIMERS FROM THE CREDITORS? I DEMAND THAT YOU PLEASE PROVIDE REQUESTED PROPER DOCUMENTATION AS BEFORE. SIGNED CONTRACT, UCC1,2,3, ANY PROOF OF CLAIM FOR THE FOLLOWING 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 I have attached a copy of my ID and will be filing a FTC report and Police report as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I was trying to buy a house and noticed I had damages on my credit report. According to the 15 U.S.C. 1681 law there should not be any damages on my credit report as it is a defamation to my character.
Product: Credit card or prepaid card

Due to Covid 19 we are experiencing financial hardship. We own a XXXX. After 2 hours on hold we requested a lower APR to help us, they declined ANY lowering. They also were incredibly insensitive to the fact that the world is going through such a hard time. We were not asking for much, just a lower APR, they refused. Every other bank/cc has been able to lower or some making it 0 % at this time. There are many complaints on social media about their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.
Product: Credit card or prepaid card

I received a prepaid card from NetSpend. I called the company and told them that I did not approve and filed an application to get this card. It looks just like a credit card, that is what I thought it is, but a representative said it is a prepaid. I told them to close this account since I did not requested. I also, spoke with the supervisor XXXX XXXX regarding my concern that I did not approve and or filed an application. I do not want any cards coming to me without my authorization. The supervisor told me that my account is closed now. I want to complain to the headquarter and she could not provide me with a phone number of the corporate office. I, also, want to be in writing that my card is closed, which she could not provide. I want this in writing and that NetSpend send me a letter that my letter is closed and that they are no financial obligations from them to me. As well an apology of abusing their corporate powers to use my personal financial information. Also, be permanently deleted from their database. My major concern is this corporate ethics can be very dangerous to some ones personal information. I did not approve and requested this card. If it would get lost in the mail and comes in the wrong hands someone might used it and I would never have known about it. This has to stop. No financial company or any kind of institution should send me any cards without my approval. The consumers should be protected and not leave them with any risk.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$700.00} XXXX XXXX - XXXX XXXX XXXX  - XXXX {$1100.00} XXXX XXXX XXXX  - XXXX {$1400.00}