23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB Complaint Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a XXXX  complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your XXXX attempts on a reported XXXX. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the XXXX XXXX  legitimacy. 
XXXX. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the XXXX as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in XXXX XXXX activities ( XXXX XXXX XXXX ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ). 
XXXX. XXXX XXXX Information to XXXX XXXX Agencies : You placed a XXXX on my XXXX XXXX without providing the necessary XXXX required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ). 
Request for Action : XXXX. XXXX XXXX XXXX all XXXX : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through XXXX mail. 
XXXX. XXXX Validation : I demand complete validation of the alleged XXXX, including : * A copy of the original XXXX agreement. 
* Proof of assignment of the XXXX from the original XXXX to XXXX XXXX XXXX. 
* An XXXX statement of the XXXX, including dates of XXXX and XXXX. 
XXXX. Proof of XXXX and XXXX : Please provide documentation proving your XXXX and XXXX to collect XXXX in my state. 

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within XXXX days, I will be forced to pursue further XXXX  action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, and/or seeking XXXX XXXX 
Sincerely, XXXX XXXX XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX
Product: Mortgage

We are trying to fix the problem with the mortgage companies but they transferred my mtg to a new company and i have provided all they asked for.Auction sale date is scheduled for XX/XX/XXXX and the mtg co sent a letter dated XXXX that I received on XX/XX/XXXX that threatens if they don't receive the extra information they're requesting that my hardship assistance will be declined. What a scam they are pulling here. I included the letter the sent me. It came from XXXX, Tx to XXXX Illinois by regular mail with an expiration date of XX/XX/XXXX. Absolutely no way that I could've satisfied their request since I received the letter on XX/XX/XXXX. in the request they asked for my now husband information who has no obligation to this debt no does he contribute or wants any involvement with this debt. I provided a letter. He was never on the loan and does not wish to be. Also, The reason for the hardship was due to my mother passing away who was the other borrower to this loan. The application packaged asked for either the origin death cert or print out of a public obituary. I enclosed the obituary in the original submission and the bank is still requesting the original. I believe this is a delay tactic although I have place it in the mail yesterday. I am cooperating but the banks do not seem to want to work with me and continue giving me the run around. Your assistance is greatly appreciated. Please let me know if any other information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The offending company is Equifax. Equifax had the security breach a year or so ago. Because of that they offered me a year long security program for free. HOWEVER they have been charging me {$9.00} per month. When I first tried to deal with over the internet and I tried to cancel my account their computer says " you have a free account '' then it says " goodbye '' and hangs up! I tried calling customer svc and have waited on the phone for more than an hour - twice w/o an answer. When I did a chat I got someone right away however they gave a link which would not or could not get me an answer - meanwhile they are still collecting my money ( because you had to give a credit card to start the free svc ). My suspicion is that they are doing this to others as well to recoup some of the money they lost over the security breach. It seems my only recourse is to cancel my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO/DILLARD used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO/DILLARD reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

XXXX XXXX sent me a message that I owe them and affirm XXXX when in fact I owe only {$0.00} cents! I tried to pay the amount in affirm on XX/XX/2024 multiples time but they blocked my account. I called customer service of affirm but even them cant help me. 

Cc US Attorney General XXXX XXXX NY GOV XXXX XXXX NY DFS NYC DA XXXX XXXX
Product: Credit card or prepaid card

Hi, I raised a dispute with Chase on XX/XX/2022 in regards to a hotel room that was cancelled on XX/XX/XXXX through XXXX XXXX travel agency. I initially booked the hotel on XX/XX/2022. I had plans to travel to the XXXX XXXX on XX/XX/2022 and stay until XX/XX/2022. My fiance ended up testing positive for XXXX that morning so we cancelled the hotel reservation soon after. I attempted to get my money back through XXXX XXXX and my agent said she called the hotel and they would not refund any of it. I believe this to be incorrect given it was XXXX related. After dealing with them, I raised the dispute with my credit card ( Chase ) on XX/XX/2022 and they temporarily credited me with the amount ( {$1100.00} ) for the hotel on XX/XX/2022. They sent me a letter stating they were reviewing the dispute and that if there is no response in 2 billing cycles from XX/XX/XXXX, the credit will be permanent. On XX/XX/XXXX, 2 billing cycles had passed and no word from Chase. They didn't contact me until XX/XX/2022 and sent me a letter on XX/XX/2022 confirming that I need to pay the charge, nearly 3 months after putting in the dispute. I gave Chase a call and spoke to a representative who was not of any help. They noted I could escalate within Chase, but likely would be the same outcome/review process. They went past their word of saying after 2 billing cycles, the credit was mine along with not backing up their long standing customer.
Product: Debt collection

I received an email that there was a data breach with fbcs the same time I was being harassed from them about a debt that was already paid and I was told to contact someone regarding the law suit they are facing as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother used my social security number to open this account Barclays refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my XXXX report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, TransUnion only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts TransUnion left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX inquiries ( see attachment ). XXXX deleted XXXX accounts " XXXX XXXX XXXXXXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX  ( see attachment ).
Product: Mortgage

The company escheated {$420.00} to the state of PA. I am trying to claim the money from the state but they need a holder verification form completed to prove the money belongs to me. This money is the appraisal fee I paid to Caliber Home loans in connection with my application in XX/XX/2013. This application was to purchase a home and was subsequently declined. The address they had on file to mail the check to was the property address that we did not buy. I have left several messages for the customer resolution team and have not received a call back. I also spoke with the Loan Servicing department and they advised I had to speak with loan originations which is the department I've left messages for.
Product: Debt collection

Wednesday, XX/XX/XXXX I was called by somebody saying that I owed money and somehow was sent to collections for my phone bill at XXXX XXXX, but I called my phone company and I know its a scam. They have called me multiple times a day. I looked up the name that they use Creedence resource management and I could find A bunch of stuff about them online scamming other people also comments that were suspicious saying it wasnt a scam seemingly all from the same person. Another person on the XXXX XXXX XXXX website pointed this out. They really pushed for personal I formation and wouldnt identify themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against MRS BPO LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in XXXX XXXX. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 MRS BPO 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 MRS BPO LLC, continues its collection efforts, I will file for litigation for actual damages caused and MRS BPO LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes for incorrection information on my credit report. It has surpassed the the 30 day window for the results to come back.
Product: Checking or savings account

I was scammed through an online purchased. {$900.00} dollar Payment was made throughout my Bank of America with XXXX on XXXX XXXX. Contacted the back to stop transaction or for a refund and so far has been denied.
Product: Credit reporting or other personal consumer reports

I try to login in to get information corrected and unable to login on. There is a bot that has a continuous loop that does not help. When you call XXXX, they constantly hang up and tell you to talk back to bot that takes you in an continuous loop. They close account without addressing the issues. It is a vicious cycle.
Product: Money transfer, virtual currency, or money service

I was contacted, via text message, by Citibank Fraud NA on XXXX transaction that was declined on XXXX XX/XX/2022 at approximately XXXX XXXX, CitiFraud used phone number XXXX. [ copy of message -A ] I contacted Citibank Fraud group and they said they did not call and started an investigation. Citibank Dispute Case # XXXX and XXXX. Citibank Fraud shared the following Transaction numbers : Citibank pay id code # XXXX for {$2400.00} Citibank pay id code # XXXX for {$2500.00} Citibank reported that a XXXX XXXX using phone number XXXX removed a total of {$4900.00} from Citibank checking account XXXX on XX/XX/2022, at approximately XXXX XXXX  in two different transactions using XXXX. Text message confirmation show both were marked as fraud. [ Copy of message -B ] The only person on record I have sent XXXX funds to family members. There are only three ( 3 ). XXXX, XXXX, and XXXX XXXX. They are the only persons in my contact profile for XXXX. I do not know who XXXX XXXX is nor this phone number. I did not authorize this transaction. 

FBI and Police reports filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX XXXX XXXX Account XXXX : XXXX The notation of the late payment is inaccurate. 

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 also states consumer reporting agency can not furnish an account with my written concern.

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

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

All of these creditors and financial institutions have committed identity theft with my information. I have revoked my power of attorney and exercised my right to opt out under 15 USC 6802 ( b ), yet they are still reporting on my consumer report, which identifies as identity theft. 

In addition to my complaint, I added the FTC REPORT, LETTERS, and the opt out letters I sent in the past.
Product: Debt collection

I have sent several requests to Santander per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Product: Credit reporting or other personal consumer reports

Collections agency XXXX, XXXX reported to Equifax collecting agency accounts that isn " my accounts. I Requested a Dispute to investigate. Payment names on the account social security num. Etc. Request to immediately removed these items from off my credit report because l don't owe these companies .nor collections notice on XXXX reported .state they company is a Buyer. Of the dept. Didn't provide no information. Only payment history. XXXX didn't have no information. Again only. Owed payment history Equifax report stated. THESE COMPANYs were. accurate reporting ..again no name on payment history nor address etc l DISAGREE INVESl
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 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 

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX  XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : XXXX : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : XXXX XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX  : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}