23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against National Recovery Solutions , LLC for committing identity theft. I have never given National Recovery Solutions , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. 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 have never received any documentation requesting validation from National Recovery Solutions , LLC before they committed multiple violations under the FCRA and the 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 National Recovery Solutions , LLC INC 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 a 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 National Recovery Solutions , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Recovery Solutions , LLC continues its collection efforts, I will file for litigation for actual damages caused, and National Recovery Solutions , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I am also requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all the terms and conditions that are included in this purchase agreement. please respond as soon as possible in 30 days or less with the previous information.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2800.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have paid off the account with IC systems on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Product: Credit card or prepaid card

I applied for the Capital One Savor card Application ID : XXXX after my friend got approved for a {$12000.00} limit. I have both a higher credit score and higher income than my friend. 

My Application with Capital One is pending because they are asking for verification of my income and have given me until XX/XX/XXXX to provide it. 

I sent my proof of income via USPS - XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Company Information : Company Name : XXXX XXXX XXXX  Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Company Email : XXXX Phone Number ( if needed ) : XXXX Complaint Details : Issue : XXXX XXXX XXXX has failed to take action regarding fraudulent accounts that were compromised and misused under my name, despite multiple disputes and legal notices. Their negligence has resulted in severe financial harm, including false charge-offs, unauthorized debt collection activity, and reporting of inaccurate information to the credit bureaus. 

Accounts in Question : XXXX ending in XXXX Code to locate : XXXX XXXX ending in XXXX Code to locate : XXXX Complaint Summary : 1.Failure to Investigate Fraudulent Accounts : Despite my certified mail dispute sent on XX/XX/XXXX, and a follow-up demand on XX/XX/XXXXXXXX XXXX XXXX has failed to investigate or remove these fraudulent accounts. 
XXXX in Verifying Identity Before Communicating with Unauthorized Individuals : XXXX XXXX engaged in unauthorized communication with fraudsters regarding these accounts instead of properly verifying identity. 
3.Failure to Suspend or Close Compromised Accounts : Even after being notified of fraud, XXXX XXXX allowed these accounts to remain open, leading to further misuse and financial damage. 
4.Unauthorized Credit Reporting and Debt Collection : These fraudulent accounts are now listed as charge-offs, which has severely impacted my ability to obtain housing, loans, and financial stability. 
5.Lack of Response and Compliance : XXXX XXXX has ignored multiple dispute letters, failed to respond, and continued inaccurate reporting, violating my consumer rights under federal law. 

Financial & Personal Harm : As a direct result of XXXX XXXX negligence, I have suffered : Denial of Mortgage Loan & Housing Instability Higher Interest Rates on Loans Due to Damaged Credit Inability to Co-Sign for My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXXXXXX XXXX I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on 02/08/21 at 8:47am which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional 1,500.00 IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Product: Student loan

On XX/XX/22 I received a voicemail from someone named XXXX with a student support agency calling in regards to imperative student loan information that is needed for the per-qualification loan discharge and forgiveness program before the status expires. They presented themselves as a government agency and my loans are in the process of being transferred to EdFinanical so I thought this was legit, but it was not. When I called the number Jade gave me at XXXX I spoke to someone named XXXX who knew all of my FSA information, where I lived, how much I owed, and that Ed Financial was my soon to be new loan service company. He was even able to send me legit looking FSA codes for my account ( I did not use these codes to log in ) to my phone when they called had called from a different number so this made me feel that it was in fact legal and real. All of these things combine made me feel that it was real, legal, and legitimate. XXXX then stated that my previous college XXXX university has been getting shut down and that I am eligible for full forgiveness except for paying the interest rate which would be XXXX payments of {$190.00}. I gave him my credit card information for the first payment for XXXX, he emailed me paperwork to sign via XXXX and even gave me his direct number XXXX an FSA ID of XXXX. Once I received these emails of my signed documents I noticed things did not seem right. I want to note this is not a complaint about Ed Financial, but for a fraud company named XXXX XXXX XXXX with an email of XXXX, and website of XXXX.
Product: Debt collection

A debt collecter from Quantum Collections called me on Wednesday XXXX XXXX, 2015 at XXXX. The represtative did not fully verify that she was speaking to the right person before she disclosed information about the debt. She only verified me by first name then she identified herself, the company who they were representing and the amount of the debt. After she violated not only the FDCPA, but also HIPPA I told her what she did and asked to speak with A manager or the call center director she said XXXX would not be available until after XXXX. The representative said she would pass my information along and have someone call me. I immediately sent an email. I did not get a response back from the company until Tuesday XXXX XXXX at XXXX after I sent another email the director of operations called me and said that he could not pull the recording and he had not spoken to the representative and what typ of resolve would I like.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Block and Remove Unauthorized Account Due to Identity Theft as Mandated by 15 USC 1681c-2 ( a ) Dear Experian Team, I am reaching out with an urgent matter regarding an anomaly in my credit report. After reviewing my latest credit report, I noticed an account that I do not recognize : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX  - Reported Balance : {$86.00} This account is unfamiliar to me, and I assure you, I have neither opened nor authorized its creation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month of 2022 I have notified both TRANSUNION and the creditors that the accounts are not my accounts and was open fraudulently with out my consent. I provided evidence and documentation multiple times each time trans union did not accept my documents because of color as i was told by customer service multiple times TRANSUNION has police report also. I requested a proper investigation and validation be done all was pass 30 days i have not received a response or update with deletion of inaccurate derogatory marks being reported by TRANSUNION.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I HAVE TWO CREDIT CARD ACCOUNTS AND BASICALLY I HAVE BEEN IN A BATTLE TRYING TO GET THE DUE DATE CHANGED IT TOOK CAPITOL ONE 0VER 6MTHS UPON SEVERAL REQUEST TO CHANGE DUE DATE, MIND YOU 1ST REQUEST FOR DUE DATE CHANGE.. I HAVE REQUESTED AT TIMES TO HAVE THINGS AUDITED ON MY ACCOUNT- I WAS TOLD THEY WOULD AUDIT MY ACCOUNT AND THEY STATED THEY WILL THEN NEXT WEEK WHEN I HAD TO CALL THEM THEY TELL ME- WELL I DONT SEE THAT REQUEST, LIKE THEIR COMMUNICATION, FEES, INTEREST IS TERRIBLE- cAPITOL ONE WAS ALRIGHT BUT THEY HAVE GOTTEN RIDICULOUS AND TERRIBLE WITH FEES/CUSTOMER SERVICE YOU NAME IT! THEY XXXX!
Product: Debt collection

Received a noticed on taped on a gate stating that we are being sued by XXXX XXXX XXXX XXXX. I do n't have a clue who this or what debt they are claim as it does not appear on my credit report. If they are attempting to collect as bulk debt perchaser they should have been made to send proof of the debt is owed by me. The documents they stuck to my gate even look fake and the note states that this does n't have to be settled in court to contact some shady law office of Scott, Parnell and Associates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX  do not have any rights to collect a debt according to UCC 3-203. They've also given away my personal information to consumer reporting agencies which is an infringement of my rights under the Privacy Act of 1974. Collection rights are not transferred with securities and neither are my rights transferred. Only the original creditor has a right to collect and those rights were lost once the security was transferred. As clearly stated in UCC 3-203 : TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.

Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

FURTHERMORE, the constant fraud and currently opened lawsuits associated with these 3 reporting agencies, XXXX, TransUnion XXXX XXXX, put the security of my privacy and credit files and reports at high risk which results in many errors and fraudulent entries being furnished on my reports. 
And also as you all now know, CFPB finalized rule to remove medical bills from credit reports, do you shall do so immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 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.
Product: Mortgage

I called and applied for a loan about 30 days ago. Have not heard from the loan officer about weather I could proceed with submitting documentation or denied the loan. 

He said my credit was top tier and I'd have to provide documentation. 

it's been a while since i last heard back from him and I got a phone call from the company soliciting to talk to another loan officer. I mentioned that I applied for the loan and wanted to get a call back from the gentlemen by the name of XXXX from Intelliloans. 

No response, no call back no letter of denial or anything.
Product: Credit reporting or other personal consumer reports

XX/XX/year> viewed consumer report and seen illegal, inaccurate information from. PNC and XXXX XXXXXXXX late payments from PNC and illegal inquiries from XXXX  XXXX
Product: Checking or savings account

I want to file a claim against wells fargo. I filed a claim against XXXXl for XXXX and they agreed to pay back XXXX of it. Wells Fargo had issued a credit for XXXX already. Instead of them applying the XXXX that XXXX refunded they wants to unexpected withdraw XXXX from my account saying the refund had nothing to do with that claim that was filed. It doesn't make sense to me and they hindering my lively hood. I honestly think this issue occurred on behalf of them opening 2 claims due a representative submitting the first one incorrectly