23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TAKE NOTICE that I, XXXX XXXX XXXX, homeowner, hereinafter homeowner am writing to notify you AGAIN that SELECT PORTFOLIO SERVICES hereinafter SPS and XXXX XXXX XXXX  XXXX   XXXX/XXXX  XXXX hereinafter INVESTOR are injuring me and causing me distress, trauma and fear. SPS has been continuing to send me mail, harassing me about a contract that does not exist and now SPS just sent a letter that SPS is assigning this contract to a law firm for potential foreclosure. 
Homeowner has sent XXXX, SPS and Investor by certified mail return receipt : 1. Rescission Notice : 1st, 2nd, and Final Notice 2. Notice of Default and Dishonor 3. Notice of Injury 4. Conditional Acceptance Notice 5. RESPA Letter Respondent failed within the days allotted to Respondent after the initial communication with Claimant in the collection of the assumed debt the following : a. The true amount of the debt b. To whom the creditor the amount is owed c. a  statement that the Respondent obtained verification of the debt or a copy of a judgment against the Claimant and a copy of such verification or judgment will be mailed to the consumer by the Claimant d. Respondents failed to cease collection of the assumed debt, and all other disputed parts of the assumed debt Respondents continues to communicate with Claimant without being requested to do so by erroneous and incomplete names and address ; and Respondents without the prior consent of the Claimant given directly to the Respondent or the express permission of a court of competent jurisdiction, Respondents continue to attempt to communicate with Claimant with the collection of an assumed debt ; and Failed to properly respond and honor first Notice of Injury dated XX/XX/2019 ; and The note and mortgage separated one or more times ; these predicate possible unlawful business acts and/or practices might include, but are not limited to, the following : Actual Fraud, Constructive Fraud by Omission, Deceit and Deceptive Practices ; and Claimants rescission of the contract is/was based on the fact that the consent was given by mistake, and obtained through duress, menace, fraud, and undue influence, exercised by or with the connivance of Respondent ( s ) as to whom Claimant rescinds, and of any other party to the contract jointly interested with Respondent I need them to cease and desist. I am also taking legal action against SPS, XXXX XXXX, XXXX and all these banks/servicers/investors, et al REGULATORS, who turned a blind eye to my stressful situation as homeowner. Nine-Tenths of the law is possession and I have possession and the property is SECURED. Please tell them to stop and respond to me ASAP so I can know if these injuring parties have been dealt with by the regulators. Remember what happened and is happening to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX. 2024 Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I had called Experian to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX p.m., I sent a certified letter to Experian asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX p.m. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. Experian is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but Experian and XXXX have reported on the account in that time frame.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.
Product: Credit reporting or other personal consumer reports

Hello, I have been fighting against identity theft for the last few years periodically I will find inquiries and new accounts that do not belong to me. This has been an ongoing battle and has been very different stating in my life. Ive also had to go to the instead of getting a police report for dish net work to get them removed off my credit. I have been in contact with the police department over identity theft and this is becoming very exhausting. my identity has been compromised and this has been overwhelming. I The put in a complaint with identity theft.gov in the hoping attempt of this XXXX it Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These are 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 after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I submitted an online request for car loan rates from lendingtree.com. Through the course of submitting my information, I was asked for the last " XXXX '' digits of my social security number for verification purposes. Then, on the final screen of the online request form I was asked for my entire social security number. After submitting my request, in the " fine writing '' at the bottom of the web screen it states that some of the lenders will perform " hard pulls '' of my credit to verify their quotes. 

I immediately called lending tree to ask that my application be canceled. I was told by lending tree that my request had been canceled and no lenders would pull my credit. 

I was not explicitly told, via their web intake forms, that " hard pulls '' would be performed on my credit. There are other sites like XXXX XXXX, that provide quotes for prospective borrowers, based on the information submitted. However, to verify the exact loan amount obviously a " hard pull '' would have to be performed and income verified if one chose to move forward with the loan. 

After getting off the phone with the agent I began receiving phone calls and emails from prospective lender. XXXX is one such lender, that verified that my credit " had '' been pulled in order to provide me the loan and rate they provided. 

I think lendingtree.com 's practices were misleading and predatory. If they intended to perform a " hard pull '' of a prospective users credit, I believe they should have explicitly stated that as opposed to burying this information in the fine print of their web browser that is only legible " after '' a user has submitted their information. Consumers are right to try to protect their credit scores. Those of us that are informed understand that multiple " hard pulls '' on our credit has negative ramifications. 

I think lendingtree 's practices show that they are not concerned with protecting consumer 's rights but only with maximizing their potential for increased profits, by providing lenders with the maximum number of potential leads as is possible. I was mislead by the customer representative agent, that told me that my account would be canceled and no lenders would perform " hard pulls '' on my credit report. She blatantly lied. As an agent, I am sure she was aware that as soon as I hit " send '' my information would be blasted to potential lenders. 

As opposed to apologizing for her companies failure to explicitly inform me that a " hard pull '' had been performed, she lied to me and told me that " no lenders would perform hard pulls '' and that my account would be closed, so that no lenders would have the opportunity to access my information. The fact that she lied to me makes me furious. I have attached a copy of my credit score that was pulled by XXXX of the lenders. Consumer finance companies have engaged in deceptive practices for a long time. I may be XXXX person but I hope that you look into this matter and stop lendingtree.com from continuing to perform in this manner. 

Thank You
Product: Credit reporting

Hard credit inquiry in my Equifax credit report from XXXX XXXX dated XXXX XXXX, 2016 does n't belong to me. I contact XXXX XXXX and notify the fraudulent inquiry on my report. Also, initiate a dispute with Equifax and they stay that I have to file a police report or wait two years in order to delete that inquiry from my credit report. Please help me. Thank.
Product: Debt collection

I checked my credit report every day and today within the last 30 minutes I saw that my score dropped XXXX points because of a {$9100.00} credit card with Chase that I did not sign up for or I've never seen it before. It says it's JPMCB card services.
Product: Other financial service

I was charged  XXXX  by The Student Loan Help Center to act as my " Limited Power of Attorney '' in expediting the transfer of my debt from  XXXX   XXXX . My original understanding of what was to transpire, and why I was paying them {$990.00}, was they would be transferring my debt and I would then be paying them back my debt, rather than  XXXX   XXXX . Basically, refinancing my debt to The Student Loan Help Center. Once the process was completed my debt was transferred to  XXXX   XXXX . I started to make my new payments to  XXXX   XXXX  and noticed my principle was not decreasing. I called  XXXX   XXXX  and questioned the payment plan and inquired why my principal was n't deceasing. Through my conversation with  XXXX   XXXX  I advised the representative I had paid {$990.00} to have my debt transferred to them. At which point he told me  XXXX   XXXX  would never charge a client to have their debt transferred and " no one should be charged money for a service when it comes to federal loans. '' He recommended I reach out to the Consumer Financial Protection Bureau to attempt to get my money back. He also advised not only should I not have been charged, but {$990.00} was completely unreasonable to have a help center fill out some paper work on your behalf and that  XXXX   XXXX  would not have charged me anything. At this point I was shocked and outraged to know that I could have just gone through  XXXX   XXXX  to begin with and not had to pay {$990.00} to basically have paperwork completed. I 've been through this process before when I refinanced my private loans through  XXXX   XXXX , and they did n't charge me anything to have my debt transferred. I was under the impression and the extent of my understanding was that I was paying The Student Loan Help Center to take on my debt and I would be paying them back and that 's why there was a charge of {$990.00}. At no point was this process explained in detail that The Student Loan help center was just a servicer to have my debt transferred to  XXXX   XXXX . If I had known that I would have just contacted  XXXX   XXXX  directly and go through the same process I did when I refinanced my private loans with  XXXX   XXXX . {$990.00} is a rip off for such a service and is almost a years worth of payments on my student debt! I would understand this charge if The Student Loan Help center was the servicer taking on the responsibility of my debt, but that was not the case. The Student Loan Help center should have just told me what to do in order to have  XXXX   XXXX  assist me with transferring/refinancing my debt, and charged me maximum {$100.00} for the professional advice.
Product: Credit reporting, credit repair services, 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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX the account is reported by Equifax closed/charge off with balance - XX/XX/XXXX up to present..XXXX XXXX reported as closed/charge off with balance from XX/XX/XXXX to present.. XXXX XXXX reported as charge off with balance - from XXXX to XX/XX/XXXX and XXXX to XXXX XXXX XXXX XXXX charge off with balance - XX/XX/XXXX to XX/XX/XXXX ... Only Equifax unverified the accounts and it has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, you must remove the accounts listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way Diversified adj svc Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX Lease Rental Open date og XX/XX/XXXX Edfed cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, XXXX  and Equifax are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.
Product: Debt collection

I am writing to dispute the following information that appears on my consumer reports from XX/XX/year>. These accounts from Portfolio Recovery Associates XXXX and Portfolio Recovery Associates XXXX are incorrectly being reported as an open account with a balance due. Please provide proof of the charged off account with a balance, because Portfolio Recovery did not provide me a 1099-C for the charged off debt on or before XX/XX/XXXX of the year the debt was charged off and sold to the third party. It is reporting inaccurately on my report as an open credit balance when in fact it became income when it became a charged off debt by the original debtor before the third party purchased the debt. This account should be deleted immediately.

According to 26 CFR 1.6050P-1, entities that discharge indebtedness must provide a statement to the debtor, typically in the form of a 1099-C, by XX/XX/XXXX of the year following the identifiable event. This requirement is crucial for accurate reporting to the IRS and for the debtor to understand their tax liabilities. As of today, I have not received a Form 1099-C or any substitute statement that complies with the current revenue procedures. This omission constitutes a violation of the information reporting requirements outlined in the aforementioned regulation. I kindly request that you provide me with a copy of the Form 1099-C for the discharged debt. Additionally, I would like to formally dispute the charge-off on my credit report until this matter is resolved. Please respond to this request within 30 days of receipt of this letter. If I do not receive a satisfactory response, I may need to escalate this matter to the appropriate regulatory authorities. Thank you for your attention to this important matter. I look forward to your prompt response.

Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance in this matter and please correct your reporting immediately.