23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand  provide the verification of the purported debt. 
I need a physical copy for my records contract, proof of claim,
Product: Credit reporting or other personal consumer reports

I always check my credit report in the morning but I noticed that there are still those inaccurate accounts showing up. Please check the documents I've sent regarding those inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Mortgage

This is in addition to the first Compliant I filed, XXXX .... 
The details I previous stated was how Wells Fargo was not applying my monthly payments to my loan, Every month the payment was made, yet on every monthly statement it Showed " Payment Not Applied ", And they walked me right out of my home. 
I wanted to mention that after many months of this and Wells Fargo forcing me into foreclosure Which was done intentionally. 
This destroy my life, They took my home which cause my wife to devorce me cause she blame this on me. So I lost the our house I had built for my family, My Marriage of 25 years destroyed, huge impact on my XXXX kids, and ripped my whole family apart. 
It was easy to see they knew what they were doing, to be able to take my home, along with the {$80000.00} in Equity .... I Never missed a Payment .... And here is the reason I'm filing another complaint because .... 
Near the end of all this unbelievable stuff they were doing... 
I called and spoke to XXXX XXXX, in the Executive offices of Wells Fargo. 
PLEASE NOTE : I had pleaded with XXXX XXXX and asked to allow me to send a Cashier Check for {$9000.00}, and I would next day air it to them, this is the amount they set me back on my loan... This would have covered all the payments they claimed I missed, but didn't... 
I asked this to save my house and my life, I said accept this payment and put my loan back in good status, Yet XXXX XXXX said No they won't accept this payment. 
Any Bank would allow anyone to make a payment that would cover anything missed, So why didn't Wells Fargo... 
Why .... Because they would have my {$200000.00} home, My {$80000.00} in equity and this is what they wanted, and Took ...... 
Anyone can clearly see exactly what they did, Destroy my entire life... 
all just for money ..... 
I needed to point this fact out because it shows exactly want they did... ..and I lost everything. All for Money .... Sad that a company would do something so evil and unlawful, and Not one person went to prison. Unbelievable ....
Product: Debt collection

Several invoices for a XXXX XXXX ( Not me ) were previously received at my home address. Each invoice was returned with a note, " Not at this address '' or " No Such Person ''. As I am not XXXX XXXX, I never opened the invoices. A collection notice was received on Friday, XX/XX/year> from Jefferson Capital. As the notice was damaged in the mail, it was noted that it was a collection for debt. I called Jefferson Capital and found that the party, XXXX XXXX had stolen my data and opened a fraudulent account with XXXX XXXX. I opened a dispute with them as this is NOT my debt. I have received notice from my XXXX Credit Card that there is a collection attached to my credit report and my XXXX score has dropped XXXX points due to this fraudulent case. I have subsequently opened a dispute with all 3 credit bureaus and now filing this report to remedy this wrong.
Product: Credit reporting or other personal consumer reports

I have made several attempts for you to stop reporting information on my credit report that is not correct. I have sent 609 letters, asked for specific information in proving the debt is mine. The only things you do is sent me paperwork stating I don't have a credit report or haven't had this in the last 10 years. However every report is listed on my credit reporting. There is multiple inquiries over 19 that do not belong on my report. As well as closed accounts that are not mind from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have no been listening to my disputes. You just keep closing them without a resolution. I have ask for debt validation which has not been met. I asked for removal of all inquiries which has not been met. I have also stated there are closed accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company PENNYMAC LOAN SERVICES L for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request additional details regarding my closed account ending in XXXX. Please note that I am not disputing the validity of this account or the associated debt. However, I kindly request clarification on the following information for my records : Date of First Delinquency : Please provide the date on which the account first became delinquent and remained unpaid. 
Date of Last Payment : Please confirm the date of the most recent payment made on this account.

Date of Charge-Off : Kindly specify the date when the account was officially charged off.

I believe this information is critical for understanding the status of this account and ensuring that all details reported are accurate. I would appreciate your response in writing at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Debt collection

Hi, XX/XX/year> I sent a Debt Validation to multiple collection agencies that I am requesting by email and phone to pay them for the same collection, asking to verify both of the accounts. 
This was my request : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I attached the letter that I submitted with the certified mail and proof of received. 
None of them agencies of collection respond to any of my letters. 
If you please investigate the issue and deleted the accounts of my report. 
I really appreciate the help report false information is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for its failure to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my repeated submissions, Equifax consistently responds within XXXX hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. 

Additionally, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus recent administrative proceedings.
Product: Debt collection

First called from a local number then left a voicemail that stated they were from some place called Regional Processing out of XXXX Ga. They threatened legal action stating I owed money to a place called XXXX XXXX and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
Product: Checking or savings account

Good afternoon : I am a US citizen residing in XXXX, PA. I am writing to you to request your assistance and to file a complaint for the US Bank. I have exhausted all the other channels available through US banks. 
In XXXX of XXXX, I opened a checking/savings account with a US bank , because I could save some money on my closing costs with a US mortgage for my second home. 
I decided to use this account mostly for my rental property ( previous home ). I have a tenant that deposited mostly rent payments from XXXX to XXXX into the US Checking account. 
In XX/XX/XXXX, I received a letter from a US bank stating that the account was going to be closed due to the lack of activity. I did not make much of it. 
In XX/XX/XXXX, I began to call the US bank and requested the funds that were left into the account, ( {$3800.00} ). I was told by different customer service representatives that the US retains the funds for 45-60 days from the moment that the account is closed. So I waited 45 days and called back and I was told to wait 60 days. 
It has been more than 90 days and I still have not received my funds. 
After many calls to customer service and many people on line, I was told that the funds were going to be released at a US Branch office. I needed to go in person. I did not have any US bank branches closed by. I was sent to a US bank in XXXX, Ohio. 
I spoke with the branch manager who identified himself as XXXX. He said in various calls he will not issue a cashier 's check or release the funds because he does not know why the account was closed. He, the US Bank Branch manager, did some research and found nothing to justify why the account was closed. He has refused to release the funds because he said a hold was placed on the account and he does not feel comfortable releasing the funds. This all seems to be a scam. These were legally deposited funds into my account that US Bank without any other communication or justifications provide no path to recovery. 

Please, provide me with some guidance on how to proceed in this matter. 
Thanks so much Regards XXXX XXXX XXXX
Product: Debt collection

I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. 
Here 's the account number # XXXX. 
Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and notice fraudulent activity please investigate XXXX, XXXX, TRANSUNION & Other reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see Transunion stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against Transunion and sue them for the damage taken due to their incompetence. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunionis neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please eliminate this damaging data immediately. 

XXXX XXXX XXXX XXXXXXXX ....
Product: Debt or credit management

Strategic Financial Solutions promised legal representation as part of their debt management program. I notified them immediately when one of my creditors sued me and repeatedly contacted Strategic via phone and email asking for updates. I was told an attorney was assigned and was working on the case. Then a default plea was filed because Strategic and its providers never took action on the matter. After that they promised to resolve it. They again failed to take action. I was never notified of a court date or the final default judgment against me until I went sifting through files on their client portal. They did not provide representation, they did not attend court date, they did not even notify me of a court date even after they had the filings sent to their address and not my own. I had no way of knowing this was happening.
Product: Credit reporting or other personal consumer reports

XX/XX/year> ( XXXX XXXX ) and on XX/XX/year> I was told by phone by equifax credit staff that I had to mail in a copy of my SS card and XXXX to them to validate my credit report. 

I was told that they can only request it over the phone and can not send the request for the documents via email or to my physical address. 

Please have Equifax request the documents in writing or via email as all of this information is provided here and has been provided to Equifax. 

XXXX and XXXX are correct with no issues. 

Thanks!
Product: Student loan

I cosigned a XXXX XXXX signature student loan for $ XXXX.loan for my daughter on XXXX/XXXX/2009. After numerous calls at least 10 to 20 per day, and reporting to my credit bureau because she could n't pay it. I called Navient and asked the representative If it was possible to negotiate a settlement. That I was XXXX on a XXXX.That I have paid at least over {$2000.00} on it. I offered {$3500.00}. after they cashed my check, They denied it, and now they are saying the rest still have to be paid by my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a factual dispute of my 3-bureau credit report directly with Exeter Finance and they found that their records were accurate. That is  IMPOSSIBLE with all the errors I found on the accounts I have with them. I will attach supporting documentation to support my position.
Product: Checking or savings account

This was a few years ago when I was a XXXX or so in the XXXX. I had fell for a loan scam where the scammer asked for my banking info to input funds. like a dummy I fell for it and who ever the guy was deposited fake checks in my account and my account ended up restricted or whatever. I called navy fed then to solve the issue, they did conduct a investigation and said I was at fault for depositing the checks. In which I DID not the scammer did. They never went into detail about anything. Im disappointed in how they treated the manner. Even though I didn't deposit the checks I figured I pay the amount of what it was, to see if I can get my account back. So I called the bank and talked with the charge off department, and the representative told me as long as I paid the amount I can open a new account in which I was really happy about, because I love navy federal. So I paid them the amount only for the security team to tell me I can't open a account, which made me upset. So I get  scammed from some XXXX on the phone ( which I take full blame for ). For a check that I guess went through ( my access was restricted so I couldn't see ) and I can't open a account/account restricted? What happened to protecting the MEMBER? Did y'all even verify my signature?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions