23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.
Product: Debt collection

{$56.00} to XXXX they have Transworld systems doing debt collection on this. 

XXXX stopped picking up our trash and we tried multiple time to see what the issue was. We found out they were going to stop services in our area. We did not get any service prior to the date given and could not get any response from XXXX. We had to get a new provider for our trash and came home one day and they actually came out and took the cart. 
The XXXX weeks prior to them ending service they never picked up or responded to and calls or XXXX mails. 

We should NOT owe anything as they did not pick up the last month of service as they stated they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX 2021 TRANSUNION posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems have reported that I owe XXXX {$1300.00} and that Im in collections. This is absolutely INCORRECT. I have disputed with each credit agency. This account is not mine. My credit score has dropped from XXXX to XXXX on some accounts.
Product: Credit reporting or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report.

I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. i WOULD LIKE A PIN NUMBER FROM XXXX XXXX, XXXX, XXXX XXXX AND EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX doesnt work with customer for Covid relief or pandemic assistance
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and XXXX, all legal documents and proof of sworn affidavits have been given to Equifax and they have failed to comply with removal of all items within the four business days.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but Experian and XXXX did not. I never authorized, nor was informed of these inquires.
Product: Credit reporting or other personal consumer reports

My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.
Product: Debt collection

XXXX My apartment unit at XXXX XXXX was broken into and vandalized, which also included the use of fireworks. 
XXXX XXXX XXXX requested I email them a statement about the incident. 
XXXX I emailed XXXX XXXX with my statement along with my Letter to Vacate. XXXX XXXX never responded or acknowledged my intent to vacate. 
XXXX I returned my keys to the XXXX XXXX XXXX XXXX XXXX No final walkthrough was done, no receipt was given to me, and my security deposit ( {$500.00} ) is still being withheld. 
XXXX XXXX XXXX left me with a voicemail regarding an accusation for an outstanding balance. 
XXXX I emailed XXXX XXXX with my Final Termination letter, which, again, they never responded to. 
XXXX I mailed all previous documents to XXXX XXXX via certified mail. They still did not respond to me. 
XXXX XXXX XXXX started marketing my apartment unit for the first time, even though they were aware of my intent to vacate since XX/XX/2023. Their inadequacy to market the unit sooner shows they failed to mitigate the situation appropriately. 
XXXX Hunter Warfield contacted me with an intent to collect a debt. 
XXXX I disputed the claim with Hunter Warfield via their online portal. I further sent a dispute with supporting documents via email. 
XXXX Hunter Warfield emailed me a statement of account from XXXX XXXX in attempts to verify the debt ( {$4100.00} with 10 % interest rate ). The statement is inaccurate. Further there is no judgement, so the debt remains invalid. Their account statement was a reiteration of the prior account statement, which was already in dispute and does nothing to validate the debt. 
XXXX Hunter Warfield reported the debt to XXXX , which now shows as a derogatory account, still without any judgement. 
XXXX I disputed the claim with XXXX. 
XXXX XXXX mailed me the results with the dispute, again without a judgement. 

I do not believe I owe this debt due to ARS 33-1321, ARS 33-1366, and ARS 33-1367. My lease was not breached, it was terminated when XXXX XXXX failed to provide me with a safe place to live. Break-ins continued in the complex with no increased security or incident notices reported to tenants from XXXX XXXX. I have done my due diligence as a renter and tried to follow the appropriate steps, however, XXXX XXXX has not met my same efforts with their lack of communication. My decision to terminate my lease was based on my safety and XXXX XXXX 's inability to provide that or a simple response to any of my concerns. Since the lease was terminated, in accordance with the aforementioned legal statutes, the 'lease break ' provision defined within the lease are no longer applicable. I have tried communicating this to XXXX XXXX, Hunter Warfield, and XXXX but due to their third party bias based on compensation for further pursuit, I am still facing negative effects towards my credit, and my cosigners credit, without a proper ruling or judgement. 

I have attached the supporting documents, which have been sent to all three parties throughout this process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. 

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, Credit Bureaus are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a 15 Days following up from multiple disputes I've sent to you guys to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Mortgage

Dear Sir or Madam ; This complaint I am filing is against my servicer America 's Servicing Company. They violated the dual tracking laws. In XXXX they told me I can apply for loan mod and I did. I faxed them my loan modification application on XXXX XXXX. After 2 weeks of waiting for them to reply they told me that they cant accept my application because they posted a sale date for XXXX XXXX. America 's Servicing Company was the one who contacted me telling me that I was eligible for a loan modification and to send my application in the meantime they were foreclosing on me. They violated the dual tracking laws and lied to me. I plead with the Consumer Financial Protection bureau to protect me and investigate my servicer for acting in bad faith.
Product: Checking or savings account

There were XXXX unauthorized transactions on my account amounting in {$570.00} Chime denied my dispute and when I asked for documentation of why they sent over an email with no documentation of why they denied it.
Product: Debt collection

This started on XXXX/XXXX/XXXX. I received a phone call from XXXX XXXX XXXX XXXX, they left a message stating they were from XXXX and trying to settle a file that their client has placed and wanted me to call them back on number XXXX XXXX XXXX XXXX. I called that number back but was not transferred to anyone and it automatically hung up. Next day I got a call from ( XXXX ) XXXX, women stated her name was XXXX XXXX and was calling from the financial office of UCRB looking to get a statement of what happened between me and another party before they had to write a legal reccomendation. She only left her direct phone number which I called and left a message. She did not call back. I have never heard about this agency, and I 've never received anything in the mail from them in the past. I do n't want to give them my information unless I know they are collecting a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; Experian, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
Product: Debt collection

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries from Credit acceptance without my authorization XXXX and XXXX on my XXXX credit report and XXXX on my XXXX report. I contacted credit acceptance and the representative stated it is nothing she can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$22000.00} XXXXBalance {$22000.00}
Product: Debt collection

The debt is related to a family member but the collection agency keeps contacting my wife after being repeatedly asked to stop.
Product: Mortgage

XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked XXXX, Equifax and XXXX to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for incorrect information reporting on my credit. I have also requested for XXXX, Equifax and XXXX to remove XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information.

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

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.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.

15U.S.C 1681c ( 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. 

XXXX and XXXX both failed to send me an update on the dispute I submitted. I called both XXXX and XXXX and they have both declined to send me a letter providing me an update of the dispute. When I asked them what information did they request from the creditors I am disputing on my credit, XXXX response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide basic information. When I called XXXX they provided general information on what they do on a dispute which was not helpful.
Product: Mortgage

I was attempting to do a loan modification with PLANET HOME LENDING , LLC on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to XXXX and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both XXXX and planet homes that this was unlawful. I am victim of XXXX XXXXg.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I received a notification from XXXX XXXX that my account was closed, due to information received from Transunion stating I placed a fraud alert/identity theft on my report, which they then closed my account without confirming whether or not this was true or not. I was informed that I called them ( XXXX XXXX and stated I did not open the account, which I have my letter of congratulation confirming proof that I applied and was approved with a credit limit of {$500.00}. I then called TransUnion which confirmed that, there was not a fraud alert, nor identify theft put on my credit file. At this point XXXX XXXX closed my account. I called XXXX XXXX XXXX team and they informed that because the claim was closed, they could not re-issue my a new card. I informed that I was advise that TransUnion request them to re- pull my credit to confirm the mis-information. XXXX XXXX to do so. TransUnion refused to send them correspondence advising that it was an error. This created a negative impact on my report. This same case scenario was occurred with my XXXX XXXX which, has also closed my account. TransUnion has refused to assist me in correction the issue. I have add credit freezes to by credit report in the past, and this has never created any issues as such. TransUnion also attempted the same behavior with XXXX back and they were the only one that sent me correspondence same issue, and I caught it in time and they did not close my account. This has recreated a financial mess. I am simply requesting that my accounts be reinstated, and my credit score which dropped XXXX points be restored.
Product: Debt collection

15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete these accounts immediately.