23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. Erroneous RESULT OF The XXXX /XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, Fair Collection & out account # 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
Product: Credit reporting

Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Product: Debt collection

I just received a copy of my consumer credit report and have found XXXX XXXX XXXX reporting on my consumer report for an amount of XXXX. I do not have a contract with XXXX XXXX XXXX, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with XXXX XXXX XXXX. This account needs to be immediately zeroed out and deleted from my consumer reports. XXXX XXXX XXXX has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If XXXX XXXX XXXX does not cease collections attempts and zeroes out the balance XXXX XXXX XXXX will be charged XXXX for damages
Product: Credit reporting, credit repair services, or other personal consumer reports

My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a copy of my credit report and noticed that there are 5 accounts from Medical Data Systems that have not been verified. I requested validation of the alleged debt and did not receive anything proving that these accounts belong to me. I also noticed that these accounts are reported inaccurately which violates my right to have a 100 % accurate consumer report. Furthermore Medical debt must be properly investigated and the method of such investigation is hereby requested.
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., XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration. 

I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason. 

I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account. 
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it. 

My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$130000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$22000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$56.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; 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 XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report for the first time in a long time and noticed that Experian, XXXX, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

Accounts XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX
Product: Checking or savings account

If wells fargo wants someone like XXXX XXXX running them into the ground find. I'm done with them & trying to convince them I never harassed her. She made fools of them like she has everyone else against me. I've tried to explain over and over that there was no problem between me and wells fargo until XXXX XXXX falsely accused me. But they have become just like her that is why they are against me. I know I never harassed her & that is all that matters. They want to throw that in my face they have the right to close my account fine. But they weren't having any issues with me until XXXX XXXX & the rest & what kind of criminal employees they have working at the XXXX XXXX wells fargo that did these criminal things against me. They don't want me as a customer fine. Well people don't have to use them as a bank either. I will tell my story of how unfairly & unjust I was treated by wells fargo & how they sided with a know false accuser. They want to look bad because of XXXX XXXX that is fine with me. Wells fargo deserves to be run into the ground. That is their made up story that I would be happy at another bank. I was happy at wells fargo until XXXX XXXX falsely accused me & got the entire wells fargo bank against me. They were also the ones pushing her to file harassment charges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than 7 years old. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than 100 points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have 3 jobs in XXXX and XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Product: Debt collection

The company call today and said that they will be delivering me documents filed to take me to court and could deliver at my job. The name of the company is not mention, only the debt they are collecting for Advance America, XXXX XXXX XXXX XXXX.
Case XXXX. Stating this is for fraudulent check wrote to the pay day loan place
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Repossession account on my credit profile report on Transunion In the name oXXXX XXXX XXXX XXXXXXXX and the same account on XXXX by XXXX XXXX XXXX those accounts was attached to a repossession that was already deleted off my account that was XXXX XXXX XXXX but those two are still one my credit profile.. those are all the same XXXX  XXXX  it was XXXX XXXX then XXXX XXXX XXXX they just bought it out and merged together.. i have provided the police report and will provide it again i have called them and told them they even misspelled my middle name and put payments on there that was never paid because i have never opened the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.
Product: Credit card or prepaid card

In XX/XX/2020 I called Chase Card Services about questions about possible overcharges during the first 3 months of the year. They briefly looked at my account and indicated they everything looked OK. They then advised me to send them correspondence with more details. On XX/XX/2020 I sent the company a detailed letter with copies of 3 months of statements, XXXX, XXXX, and XXXX detailing how Chase 's auto-pay program deducted more than the purchase totals made during the statement periods. I asked for an explanation since my account doesn't accrue interest because the entire monthly balance is paid in full. 

I stopped the Auto-pay in XXXX because I realized there appeared to be a problem with the amount being deducted by Chase Auto-pay versus the statement balance. 

Chase replied to me via a letter dated XX/XX/XXXX, telling me how to set up Auto-pay. The balance discrepancies I asked about were not mentioned.
Product: Debt collection

I have been a victim of identity theft for years now, there has been a recent reporting of XXXX XXXX XXXX XXXX XXXX  '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX  '' I have uploaded an affidavit proving my various instances of identity theft.
Product: Credit reporting or other personal consumer reports

I do not recognized inquiry from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have been trying to get the three XXXX accounts removed or to stop reporting as if they are active. According to my report it reads as follows : XX/XX/XXXXLast reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company That We Are Making Payments To Towards My Credit Isnt Reporting Because Its Not Showing On My Credit Score.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Consumer Loan

I 've had XXXX separate credit accounts with this company, ( XXXX paid off in full ). Unfortunately, this month has me in financial distress and consequently caused me to be a little late. 
As of today, 8 days late ... although, still within the 10 day grace period ( XXXX/XXXX/2015 ). 
Reason being late, is a result of periodic XXXX ( XXXX VA XXXX XXXX XXXX ). 
That being, this company has called me over 60 times in the past 7 days, ( all recorde via cell phone ) .Somedays they 've called 10 times in a 12 hour span. 
This is all after speaking with a Conns rep back XXXX 2015. 
I explained to him that XX/XX/XXXX payment would be a few weeks late. 
The saddest part is, As a XXXX Veteran ( XXXX XXXX ). I 'm already battling with many health issues and do n't need the extra stress from their excessive, harassing calls while in the hospital. 
This is only causing additional stress. 
Again, I 've used this company several times in the past 2+ years and have NEVER missed or been late on a payment. 
I can not help what 's happening this current month. 
My health takes precedent ... Hopefully they can understand this and back off with the calls.
Product: Mortgage

Hello- I was given this contact to hopefully provide assistance. 

Timeline of events : I bought a home in XX/XX/XXXX and used XXXX XXXX   XXXX. They sold my mortgage to NewRez/Shellpoint. My Credit score was XXXX My 1st payment with NewRez/Shellpoint was XX/XX/XXXX I pay all my bills through XXXXXXXX XXXX XXXX XXXX XXXX  Bill Pay New Rez stated they didnt get my XXXX payment, my 1st payment through my banks autopay I supplied proof of my ACH autopayment to New Rez. My banks fraud department also reached out to New Rez In XXXX, my XXXX payment was found by New Rez/Shellpoint and applied. 
My Credit report show 30 days late payment for XXXX New Rez received my XXXX payment by ACH autopay and it was applied New Rez states they did not receive XXXX ACH autopayment I supplied them with proof of ACH auto payment from my bank New Rez did not correct my account They received my XXXX payment auto payment and applied it to my XXXX payment. 
My credit report now shows 30 days late for XXXX, 30 days late for XXXX, and 60+ days late for XXXX I provide proof of all my on time payments to New Rez for XXXX, XXXX, XXXX, and XXXX I check my credit score in XXXX and its dropped to XXXX I make dozens of calls to new rez that have no results I am asked to send in more documentation of payments and find out the email I was told to use does not support attachments Actions I have taken : I have made numerous calls to NewRez/Shellpoint I have made dozens of emails to New Rez/Shellpoint I have provided my banks ACH transactions showing on time payments I have contacted the Cooperate Compliance attorney for XXXX XXXX who sold my loan to NewRez/Shelpoint On XX/XX/XXXX I have contacted the Indiana Attorney General and filed a complaint On XX/XX/XXXX I filed a complaint with the Indiana division of consumer finance On XX/XX/XXXX I filed a complaint with Federal Division of consumer finance On XX/XX/XXXX I contacted Indiana state senator with concerns of ethical practices of mortgage lender On XX/XX/XXXX I contacted Indiana congressional representative regarding concerns of ethical practices of mortgage lender On XXXX have filed disputes with XXXX  and XXXX  On XX/XX/XXXX I completed brief internet search and found 100s-1000s of complaints to XXXX XXXX XXXX  in various states with complaints exactly like mine regarding NewRez/Shellpoint My name is XXXX XXXX My contact is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see pages 3 and 4 attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # 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
Product: Credit reporting

I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections " and in the " Remarks '' section, it says, [ TransUnion ], Account information disputed by consumer, meets FCRA requirements. 
My complaint is that XXXX XXXX XXXX, XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So, how can it meet FCRA requirements?? 
I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX , XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount, and if so what that amount was for. THEY HAVE FAILED TO PROVIDE. 
4 ) Their agencies license to lawfully and legally collect debt in Minnesota. THEY HAVE FAILED TO PROVIDE. 
5 ) Validation of the alleged debt, ( the actual accounting showing a loss to their agency ). 
THEY HAVE FAILED TO PROVIDE Since they have failed to provide any of the above information, yet XXXX, XXXX is still reporting it to TransUnion, along with the remark by TransUnion that it is being disputed but still meets FCRA requirements, I feel that this is in violation of the FCRA, the FDCPA and also Violation of U.S.C. title 18 Section 872, attempts to extort and Violation of U.S.C. title 18 Section 1341, 1342, Fraud and Swindles clause. I request that this entire negative report be immediately and permanently deleted from my credit report. 
They have Attorney XXXX XXXX from XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX , XXXX and I have also written to him with no further response.