23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX. IN COMPLAINT # XXXX. XXXX XXXX XXXX. states that this account has been in collection. I have never given XXXX XXXX XXXX XXXX. any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX ). I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a collection, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. '' XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe XXXX XXXX XXXX ANYTHING I have reason to believe that XXXX XXXX XXXX choosing to share this non-public negative information to my consumer report with forethought and malice as attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. ACCOUNT # XXXX with the XXXX amount of {$680.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating 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 mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I've contacted Procollect Incorporated multiple times to resolve this matter, which had lead me to sending them a cease & desist. Still they're calling my phone and updating/reporting to my credit report. 
The FDCPA defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. Reporting a disputed debt to a credit bureau without proper validation is considered a form of communication and therefore, violates the FDCPA. This is supported by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court ruled that reporting agencies are indeed a form of communication under the FDCPA.

I've requested verification, method of verification/validation & proof of debt and still haven't received all information that was requested. I've never signed a contract with ProCollect Inc.

A Cease & Desist was mailed to them XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i got in the mail a letter from Pep Boys and I never got my car fixed at no pep boys and especially not XX/XX/XXXX either so idk who acct they are trying to add on mines
Product: Student loan

RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX
Product: Debt collection

I am being contacted by Transworld Systems Inc. XXXX repeatedly for a debt I do not owe and I have no relation to the person in question. On their Latest call on XX/XX/23 at XXXX the person contacting me refused to disclose the following ..... 

1 ) The name of her company.

2 ) Her name 3 ) Her operator number 4 ) The nature of the phone call.

5 ) Their agents name for service.

She also refused to transfer me to her supervisor. All she would give me is a name of a person she was looking for whom I did not know or have any relations to them. I informed her that she was in violation of the Fair Debt Collections Practices Act and to stop contacting me. I have received repeated calls by different people at this company.
Product: Checking or savings account

On XX/XX/year> a good large deposit was put into my checking account. I use another account to pay my rent. Usually I transfer this to the account and pay the fees for immediate transfer. 
This time I could only transfer {$320.00} roughly. I was trying to transfer {$1000.00}. The account did show it had more than enough money to submit the transfer. I waited until XX/XX/year> and could never transfer my money to another account. 
Credit Karma Banking also shut my card down and they never really stated why. I was trying to put money into another account ( not the rent XXXX ) and they would not let it transfer. I called and they said " lets just send you a new card ''. In the meantime my rent got charged a {$50.00} late fee. 
I had the other account auto transfer and was charged a {$35.00} NSF fee. 
Trying to work this out with credit karma customer service they could not give me any answers on why I could not transfer the money. They told me my web card account is active and to use a XXXX part to transfer the money ( XXXXXXXX XXXX XXXX XXXX etc ). So I did and it cost me {$17.00} to get the money back on the credit karma card because the other bank will not accept cash app. I had to get a money order by the time my card came. Credit Karma has not clue to why I could not transfer my money and are refusing to cover all these extra cost I have incurred due to their lack of customer service.
Product: Bank account or service

My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due. 
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. 
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!
Product: Bank account or service

Since Wells Fargo took over Wachovia bank 6 years ago I 've been using their services ; which I 'm not happy from day one. I have direct deposit {$1500.00} from XXXX ( XXXX ) pension fund Wells Fargo deducted my mortgage payment for the amount of {$980.00} per month at once I was using the balance to pay XXXX or XXXX bills, but I was n't every month. My concern is to have enough to cover my mortgage there was a time tat I was n't using any money left from my account. I never see my balance or never have any money left ove to pay the rest of my other bills on my checking account. Besides I have {$600.00} or {$400.00} to deposit and still be short at times. My problem with the Wells Fargo bank is that they never have enough money to pay my mortgage or any bills. Three years ago I went to the branch at XXXX XXXX and XXXX and deposit {$600.00} on my sister account and she lives in Florida and she never received it .A week later I asked her if she got the money her response was no i have n't. So I went to the bank and complained about it, but I did n't have my receipt. I did request for them to check the Camera or the video and they refused to help me. I described the person who attended me that day at the window, and their feedback sorry there is nothing we can do since you do n't have proof or receipt.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

ok good evening, I am enrolled in the pandemic relief program which expires, XXXX, I heard about the advance loan modification program which I am interested in, when i call MR COOPER WHICH IS MY LOAN SERVICER XXXX, they told me the don't know anything about this program, when it is unequivocally clear on the FHA website. my friends mortgage company knows of the program and is implementing it, why does MR COOPER NOT KNOW OF THIS PROGRAM. MY EMAIL ADDRESS IS XXXX, MY PHONE IS XXXX, AND I HAVE A FHA MORTGAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( XXXX and Experian ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, XXXX and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Care Credit on XXXX/XXXX/2020, they reported to XXXX  credit bureau a balance of over {$11000.00}. On the account in question I am not a authorize user on this account and have not been for over 4 months. My wife XXXX XXXX is the primary account holder for Care Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : REF # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion still continues to violate my rights under the FCRA Section 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

TransUnion stated the account listed below was verified, but how is that possible if they did not do a proper investigation on the account listed below. Every piece of information on this account is still not reporting 100 % accurate. Furthermore TransUnion by way of their own report dated XX/XX/XXXX shows the account has not been updated since XX/XX/XXXX. 
The FCRA Section 623 ( a ) ( 1 ) ( A ) states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish. TransUnion has clearly failed to do so as required by Federal law.

The FCRA 623 ( b ) ( 1 ) states if the credit reporting agency does not investigate and respond to the dispute within 30 days they must delete the disputed information from its files. TransUnion clearly failed to do so as required by Federal law. 
Account Disputed : XXXX  XXXX BANKRUPTCY Account Number : XXXX
Product: Debt collection

I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had a car accident on XX/XX/XXXX, in which this vehicle was completely totaled out. Nissan informed me  that I owed one payment that was due XX/XX/XXXX for a total of XXXX. I completed this payment on XX/XX/XXXX. Once I completed this payment, XXXX ( my insurance company ) and GAP submitted in the total for the rest of the vehicle. At that point in time when I accessed my account with Nissan, they showed that the balance was 100 % taken care of and that I owed no further payments. I was also informed by a representative that I was owed approximately {$2000.00} more dollars in payment for warranty that I have not received and an additional {$460.00} in tire warranty ( that I have not received. I also received a {$58.00} check for my excess payment that I completed on XX/XX/XXXX. Nissan did not inform me that I owed any additional payments, yet they reported inadequately on my credit report that I am 30 days past due ( in which I am not ). Had I owed an additional payment, this payment would've been due XX/XX/XXXX and I wouldn't have been past due until XX/XX/XXXX. I have not received any notices from Nissan in any way stipulating that I owed any further balances.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The name of the company is FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX They are saying I owe them {$1000.00} I have request for validation. They have refused to provide debt validation. They do not have my authorization accepting any form of agreement obligating me to it.
Product: Checking or savings account

On XX/XX/XXXX I was debited {$1000.00} for an ATM withdrawal that I did not make nor authorize at a Chase bank ATM in XXXX, IL. The bank closed my claim based solely on the fact that this was a chip enabled card and that there were no pin failures and that I do not have any prior disputes using the same terminal. I do in fact use this terminal frequently, but I DID NOT make or authorize this ATM withdrawal on XX/XX/XXXX. Ironically, the same day, XX/XX/XXXX, I was charged a {$5.00} fee for a " Cash Deposit Night Drop Armored '' service. I don't know what this service is, and I certainly did not use it. The banker reimbursed me the {$5.00} fee, but I find it quite ironic that I have two transactions on my account on XX/XX/XXXX that I did not perform or authorize. I am asking for the bank to research this further and provide the police with the footage of the ATM withdrawal as requested. I have filed a police report # XXXX. I believe this may be fraud or a bank error, which needs further research. I am out {$1000.00} and I feel as the bank is just brushing me away and does not want to prove any concrete evidence of the transactions, and quite frankly I feel as the bank does not care for me as a client and is discriminating against me. I will be taking legal action if this is not is not resolved properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX/XXXX/XXXX
Product: Debt collection

They keep calling me everyday most of the time I get different numbers and its them. And they started calling my job as well too. Its so frustrating and uncomfortable.