23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Communicated via certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX XXXX  law office ) provide debt verification and validation proving an alleged debt belongs to me. Portfolio Recovery and XXXX XXXX XXXX  have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX f/k/a XXXX XXXXy ( Account # XXXX  ) belonged to me.

XXXX XXXX XXXX XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased.

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115.

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately.

OnXX/XX/XXXX received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
Product: Debt collection

LVNV frauduently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA.
Product: Credit reporting 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 XXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

I am currently not making enough money to pay my debt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Product: Debt collection

M & M credit account does not belong to me and asking to take off my report
Product: Debt collection

Collection services of Athens has faailed to live up to section 809 of the FDCPA. 
I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.
Product: Mortgage

Spoke with my Mortgage Servicer today and I was informed I have a foreclosure property sale date set for XX/XX/2019. I have not received mail from my mortgage company or the foreclosure attorney. Home Point still has the wrong mail address for my mail address of which is my home address. I recently submitted financials and request for mortgage assistance and I have not received any mail from the mortgage company. I requested several times for the last year and a half to please correct my mail address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and 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: Prepaid card

I recieved a virtual Transcard as a refund from XXXX XXXX XXXXXXXX XXXX  located in XXXX, TX. I stored the virtual card in my cell phone wallet. On XX/XX/year>, Within days of receiving my virtual Transcard, my cellphone and wallet were stolen from my vehicle while parked in my parking spot in the garage of XXXX XXXX XXXX a police report of the theft from my vehicle was made to XXXX XXXX Police Department. The thieves quickly took over my financial accounts, and I also reported theft of my identity to The Federal Trade Comission. On XX/XX/XXXX, I contacted Transcard about the incident and they informed me of fraudulent account changes and transactions that had already been made since the theft. The thieves had been able to create a pin lock on my account that I had not ever used, and then fraudulently spent a total of {$910.00}. Transcard closed my account due to theft and my card was locked, apparently for my protection. The card was locked with a remaining ballance of {$80.00}, that had not yet been spent and I would not be able to access. I was then directed to file a dispute by email to the Transcard Dispute Team that included the details of the theft and the police report that was made. I was told that I would retrieve the stolen funds and the {$80.00} ballance after a short investigation was conducted. For the fraudulent transactions and the remaining ballance, I lost a total amount of {$990.00}. On XX/XX/XXXX, I was informed by email, that my dispute was denied. The denial for my dispute was based on false reasons that were entirely irrelevant to my situation. I contacted the Transcard Fraud Dispute Department by phone and spoke with a manager by the name of XXXX. XXXX directed me to re open the dispute because the denial was based on irrelevant and inconclusive reasoning. On XX/XX/XXXX, I sent the email to reopen the dispute, and I did not recieve a response. I have not been refunded the amount lost from the fraudulent transactions, {$910.00}, or for the remaining ballance of {$80.00} that was still on the card when my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.
Product: Checking or savings account

I am a victim of Capital one savings account not paying proper interest rate according to Federal reserve rate based on your following investigation... 

https : XXXX I had XXXX account for a long time before acquired by capital one. This goes back to XXXX  till XXXX when I was forced to create performance savings to get the right interest rate. I had to transfer my money from old saving to performance savings. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$XXXX} XXXX XXXX XXXX XXXX  Balance : {$XXXX} XXXX ( Original Creditor : XXXX XXXX BANK XXXX COMPANY ) XXXX Balance XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Product: Credit card or prepaid card

I received both a letter and a personal phone call from Capital One requesting additional personal information on an application for a new credit card. I called them at XXXX and spoke to a customer service rep who said his name was XXXX. I told him I wanted to have the person who submitted the application investigated for fraud. He told me that Capital One could not help me. He said I needed to file a complaint with the police. He acknowledged that Capital One had all of the information provided by the person who requested the card, but he said they couldn't do anything about the potential fraud. This is unacceptable. I hope that your agency can make it more difficult for fraudsters to get away unpunished for id theft. Date : XX/XX/2021 XXXX # XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the employer, XXXX on my XXXX report, under Employer. I have never worked here. 

Please correct my name, XXXX XXXX XXXX on my Equifax report.
Product: Debt collection

Account is for XXXX XXXX account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is XXXX years old. I hired an attorney for this. A certified mail letter was sent to XXXX XXXX asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. XXXX XXXX failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, XXXX XXXX continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called XXXX XXXX, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to XXXX XXXX. For 3 days I have spent XXXX hours a day on the phone with XXXX XXXX and no one can help me clear this up. I can not even find a representative of XXXX XXXX who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
Product: Mortgage

XXXX XXXX requested TRID docs from mortgage servicer/debt collector XXXX note from old lender - XXXX  and modification documents ( XXXX ) with new lender XXXX sent which do not disclose the Loan estimate and closing disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX in XXXX to XXXX but on XXXX was affected for XXXX, and I was out of work for a month this month XXXX I didn't send my payment but I call XXXX and explain, XXXX got back to work and I start paying and I finished, but this year I'm planning to get a mortgage loan, and I know it's that XXXX report like 5 months late payments, i called XXXX and they told me that they will make the update so I opened a dispute with TransUnion, I wait and wait but they didn't send a letter or something, so I called and they said that dispute was closed with no change, but I request information like papers or something from the investigation and they said nothing that they can do, I need this account removed from my credit score asap.
Product: Credit card or prepaid card

I ordered online an order of dog food from XXXX. I never received the order. It was never delivered to my address. I filed a dispute with credit card company. They claim the package was delivered, they denied my dispute. I did not receive the merchandise.
Product: Debt collection

Hello, I have written. Credit Collection Service ( MA ) on XX/XX/2020 regarding a collection Account reporting on my XXXX  Credit report and also on XX/XX/2020 regarding a Collection Account reporting on my XXXX  credit report. Credit Collection Service ( MA ) was asked to Verify and Validate that this Debt belongs to me. It is now XX/XX/2020 and no validation has been sent. I ask to have these accounts Deleted from my XXXX  and XXXX Credit reports and any other 3 party reporting source.
Product: Debt collection

While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Product: Credit reporting or other personal consumer reports

I'm asking for a Complete Investigation of the Address Location & Name of the Inquiry because this address is inaccurate & incomplete and the business is CLOSED. I Dispute these inquiries. 

XX/XX/2023 an Inquiry was made. The Inquiry shows as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is a FRAUDULENT address & this location is CLOSED. The Thief has reported this address incomplete as this is not the full name of the address location. The thief also reports a phone number that's not a telephone that belongs to the address reported. 

I am an Identity Theft Victim. Equifax received both Police Identity Theft Report and a FTC Identity Theft Report in XXXX to alert my personal information was being used against me & to block the scammer from gaining access to my credit file. These names were included in both reports. 

XX/XX/2023 an Inquiry was put on my Equifax credit file. The Inquiry shows as follows : XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone : XXXX ( No Contact ) I do not acknowledge this Inquiry and it doesn't belong to me. This is also a Fraudulent Inquiry. I have never applied for credit with XXXX XXXX at any time. This is Fraud. 
Both Inquiries are connected in my credit file as " ONE '' Inquiry. Both Inquiries are connected & each other & both are reporting using different forms of missing information which is inaccurate. Both reportings are false because each inquiry contains FALSE & INACCURATE info so BOTH Inquiries should be removed. These are not mistakes or coincidences. This is fraud done with intent to harm my credit. I had Credit Monitoring in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Date : XX/XX/XXXX File # XXXX 3 Accounts wrong : XXXX XXXX XXXX XXXXXXXX XXXX XXXX there are 3 loans shown in error as XXXX as late. 
Account original loan amounts are in error as well to the original loan. 
There are ( 3 ) loans showing all in Error there was not no late payment XXXX as showing on all three loans by Transunion I have not received any updated credit report showing these student loans corrected on my credit file as of XXXX XXXX XXXX corrected need an updated report sent to me as proof that Transunion has corrected this error on there part for information gather or obtain incorrectly by Transunion DOCUMENT FROM XXXX XXXX XXXX as proof that they sent Transunion a request to update error on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.
Product: Mortgage

I received a letter in XXXX of XXXX requesting proof of insurance for my condominium. I then reached out to my insurance agent and he sent the proof of home owners insurance to New Rez Shell point. I then called customer service and the agent informed me that the insurance they needed proof of was Hazard insurance, so i had that agent from New Rez contact the Property Manager in XXXX of XXXX and obtain a copy of the insurance policy directly from him. In XXXX of XXXX, I had confirmation that they received the proof that was needed, and that i should get a copy saying that they had the proof that was needed. In XXXX of XXXX, i had not yet received the letter from them, so I called customer service, and the agent I spoke to informed me that they did not have proof of insurance. I gave the agent the name of the agent that said that New Rez did receive the proof that was needed, then the call dropped, and I was not able to get that agents name. I called the following day, and the agent i spoke to said that there was proof of adequate insurance, and that they would do an escrow analysis, and have my mortgage corrected without the lender placed insurance. This was in early XXXX of XXXX, and it is still not corrected. Currently, I am paying an extra {$280.00} per month because of the lender placed insurance. This is the second time that this has happened with this company. The first time was with New Rez Loan care, and now with New Rez Shellpoint. Once they ask for proof of insurance, get it to them as soon as possible, and get a confirmation that they received it, but still, they purchase a Lender placed insurance on the property when its not needed. I have filed two complaints with the XXXX, and they have assisted in rectifying the issue, but really, why does it have to come to that? I find it suspicious that although I do all that i can to communicate with this company, it falls on deaf ears and they proceed in purchasing a insurance policy. I have wasted so much time around 20 hours total trying to get this resolved and numerous calls to my insurance agent. It is frustrating to work with such a company, and I have emailed the CEO to also explain my frustration. Thank you for your services. 
XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I Am writing this Letter to bring your attention to a Grave and Substantial Overcharge to My Household Checking, Savings and Credit line I have been a Faithful Customer of the Bank for XXXX  years. 
A few years ago, I went into my local BOA Branch at XXXX XXXX XXXX XXXX MA, XXXX To request a replacement Debit card, while there a Bank Representative asked me what are you doing for your future savings, I listened to her explain why not take money Automatically each month from your checking account and put in into savings, I agreed So, we agreed to take XXXX From Checking and put it into savings simple enough We Traditionally have used BOA as a secondary source of paying minor Household bills, so I was not getting Monthly statements on Balances for years So recently I installed the Mobile App on my Phone, reflecting my balances I discovered a Gross error of nearly {$8000.00} Accrued from my Line of Credit account being charged 18 % Interest month This Is a Blatant Error on the Banks Behalf I obviously would Never have been agreed to getting Charged 18 % Interest on a Savings account I am XXXX  on XXXX I have always paid my Bills on time, but I felt Guilty somehow that I should try to Pay this, I have already paid close to XXXX of my Own Money. I can not do this any Longer So, This Notice of error Is to Clear My Debt and make it Right, And I want the Bank to Have this removed and Corrected Since No One of Sound mind would have agreed to this I have Not yet Filed this Consumerfinance.gov So, I Respectfully Expect you would do The Honorable thing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in very upset as to find out that my information is being shared, transferred and Traffic without my consent for profit. I am now aware that this is illegal practice mainly to certain groups of customers in the US,. First my information was stolen and then used due to a breach from this organization and now I find out my information is still being mishandled and discriminated against. 
This Acct from XXXX XXXX XXXX  XXXX XXXX balance also reflect a late payment due on XX/XX/XXXX paid on XX/XX/XXXX is stating 30 days late. I did nt give permission for my information to be shared transferred or reported nor do either Party has permission from me to share this information.

These are incorrect employment information being reported. 

Employment XXXX XXXX XXXX Self Employed These are all reporting the Wrong Balances 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 XXXX XXXX Account XXXX # XXXX XXXX User and shows late payment. This is not my account. nor am I a user on this account Inquiries being reported and should have been removed over 9 months ago some over a year ago. 
Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX After months of fighting with Equifax about a fraudulent account fromXXXX XXXX XXXX my credit and employment was effected due to the fact of this inaccurate information being reported I had accounts close my accounts and lower my credit limits. I need this to be corrected as of last month they removed the fraudulent account due to the fact I sent a request directly to the firm and was in the process of suing them.