23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are 4-5 medical collections that does not belong to me and it's a fraud and it's attached to a name called XXXX XXXX ... That's not my name!!!! I was shocked when I reviewed my credit report this week and I found multiple medical collections on my credit report from the 3 major credit bureaus from your company ( First Financial Resources , Inc . 
) that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

According to The Family Educational Rights and Privacy Act ( FERPA ) 20 USC 1232g ( b ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public and private elementary, secondary, or post -secondary school. I would also like to add according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that the consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customer 's nonpublic personal information. " ( XXXX XXXXXXXX XXXX ) is a financial institution by definition under that title .15 USC 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( XXXX XXXXXXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXXXXXX XXXX ) whether it be vebal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation if how the consumer can exercise that nondisclosure option. " ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against law. 15 U.S. Code & 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code & 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR & 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Debt collection

I requested to validate the alleged debt on  XX/XX/2017    via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau of Ft. Walton Beach received the registered letter o n  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore,  Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt.     I previously filed a complaint on  X/X/2017    that closed on  X/XX/2017    with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name,  XXXX   XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # :  XXXX  in the amount of {$510.00} Acct # :  XXXX  in the amount of {$350.00} Acct # :  XXXX  in the amount of {$25.00} Acct # :  XXXX  in the amount of {$180.00} *Please Note : Acct # :  XXXX  in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.
Product: Credit card or prepaid card

Yesterday I received a letter from comenity capital bank for XXXX XXXX stating that someone one had applied for a credit card under my name and It was denied. I never applied for a credit card with that company. I have not even been to a XXXX for a over a year. They also sent another letter under a strange name to my address.
Product: Credit card

Wells Fargo sent me a promotion encouraging me to apply stating i was pre approved only to deny me and run my credit for nothing
Product: Debt collection

Rent Recovery Solutions LLC is trying to collect a debt that I do not owe to the XXXX at XXXX XXXX. This litigation between me ( tenant ) and the landlord ( defendant ) has been resolved at the XXXX XXXX XXXX New Jersey XXXX XXXX Part on XX/XX/XXXX. 

Please see attached settlement where it states that the " defendant will waive any rent or charges accruing after XX/XX/XXXX. Defendant will waive any early termination fees or requirements. Plaintiff will dismiss the matter with prejudice. '' Please also see attached the moveout statement as a proof of payment of all charges until XX/XX/XXXX. This statement also serves as a proof of non-existing damages to the property. 

Please also see attached additional court filing documents for my ( tenant ) damages caused by the defendant. I have signed this settlement on condition that the parties will not disparage XXXX another and request any additional monetary settlements. This is a breach of the signed settlement at the XXXX XXXX XXXX New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 6 hard inquiries on my account from XX/XX/22, and only one of these was explicitly authorized. I am requesting that the following inquiries are disputed ad removed from my report. Details for these inquiries are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.
Product: Debt collection

On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of XX/XX/XXXX I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my  account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On ( XX/XX/21 ), I sent by certified mail ( receipt number : ( XXXX ), a request for convergent to provide me with proof and evidence of the debt they alleged I owed. In that same letter I also included my cease and desist instructions. 

After verified delivery of my letter ( via their office 's signature ), they proceeded to mail a simple bill on XX/XX/21 in an attempt to collect a debt, which is a violation of 15 USC 1692b ( 2 ), and is NOT considered a " validation of debt '' by any means. They may wish to familiarize themselves with what is required when validating a debt. I attached a list of the requirements to VALIDATE this alleged debt. 

Their office also proceeded to contact me after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for their agency including damages of up to {$1000.00} per incident. I NEED THIS DELETED from my consumer report IMMEDIATELY.
Product: Checking or savings account

i open saving account apple bank, and saving account XX/XX/XXXX; in both bank I loss my money, XXXX XX/XX/XXXXmanager wanted I closed my account ( because he said ). I want my money back, ( I made complaint cause same situation ) I need my money ; I am victim identity theft from XX/XX/2017. I need my money!!!
Product: Debt collection

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items to be deleted from my credit report at your earliest convenience. 
Collection : XXXX {$6700.00} on XX/XX/year>
Product: Credit reporting

TransUnion and XXXX are not putting down in my credit report the history of my mortgage payment with XXXX XXXX I have this mortgage since XXXX XXXX have never been late on a payment and XXXX XXXX claims they 're reporting to the credit bureau which I do not believe.I went to one branch in XXXX last Thursday and lie to me in my face. In XXXX I filed Chapter XXXX I finish 2 years ago so Iam trying to rebuild my credit but XXXX XXXX it 's holding me back.please help me. Sincerely yours XXXX XXXX. Account number with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 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 Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I need for the following credit inquiries to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion had a glitch and violated the rights of the consumers such as myself under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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
Product: Vehicle loan or lease

I contacted Ally Auto Finance to proceed with the Lease buyout amount of {$45000.00} and it was paid on XX/XX/2024. Shortly after that I have called Multiple times asking when the title will be sent, so that I can sell the vehicle. I keep getting told they will send me an email for signature and then Title will be released. I keep asking who will send it and can I please speak with that department, because it is not being sent. I was told NO they do not take phone calls and I just have to wait until they are caught up with their work. It is now XX/XX/2024 and I still have no solution. I own a vehicle that I could have sold, but Ally Auto refuses to send me my Title. I feel discriminated because there level of assistance changes when they ask and I give them my name although this vehicle was finance in my company name. I am lost for knowledge on what I can do next. I am loosing money everyday I am unable to sell my vehicle, because i do not have the title. They have told me my call are being recorded, so I hope to get ahold of the correct department to listen to the conversations and they remedy this process.
Product: Checking or savings account

On XX/XX/XXXX, XXXX logged me out of my account and required me to change my password, as if my account had been compromised. From that point forward, they restricted my account saying Your account is under review due to unusual activity and demanded me to upload identity documents, such as my drivers license, what I did the same day. However, after uploaded it and confirmation of receipt, they stated We have received your documents. We will review your documents and notify you about your account restriction by XX/XX/XXXX ( next day ), but when you logged into the app the " next day, '' the response date changes again, and again, and again since over then. 

Its impossible to contact them directly by phone or by email. While I can request a callback through the app, it takes around XXXX hours, and when they do call, the agents merely read from scripts and refuse to address any substantive issues or answer meaningful questions. The only action an agent did was to send a link by email to upload again the identity documents and the process started over again. I feel I am trapped in a loop with any kind of reliable information or time frame. 

Since XX/XX/XXXX, my account has been completely restricted. Ive only been allowed to close positions but can not open new ones or transfer funds to my bank account. With over {$120000.00} in cash and over {$230000.00} in stocks for a total amount of {$350000.00}, I essentially have all my funds locked in XXXX. This situation is causing me great stress as it is becoming almost impossible for me to cover my personal expenses. As I mentioned earlier, all my cash is in that account XXXX support agent who called me was disrespectful, dismissive, and abusive, treating me as if I were acting in bad faith or had done something wrong. 
I turn to the CFPB with the hope that you can assist me in this traumatic process. Thank you very much.
Product: Debt collection

I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood. 


I WAS A VICTIM OF THE XXXX DATA BREACH AND MY PERSONAL INFORMATION WAS COMPROMISED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX Balance {$0.00} - The account is confusing, it looks inaccurate and unreliable, please be vigilant to render evidence that you have not violated the fair credit reporting act by way of filing the account type as is available. If you fail to give proof that you've not violated my own privileges given to me underneath the FCRA and also the FDCPA you should get rid of this invalid post on my credit report.
Product: Vehicle loan or lease

I need some of the amount from payments where I was paying extra to be applied to the principle balance instead of toward interest on the loan. Ive been calling on the matter since XXXX and Ive even sent a spread sheet over TWICE to show the corrections that need to be made. Some of the corrections are being made but not all of them and Ive given them months to complete this task and they are ignoring me and telling me something different about the situation every time.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I WANT TO SUBMIT A FORMAL COMPLAINT WITH CREDENCE RESOURCE MANAGE/XXXX. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OR IDENTITY THEFT. CREDENCE RESOURCE MANAGE : {$730.00} NO KNOWN ACCOUNT NUMBER SUPPOSEDLY OPENED XXXX OF 2019. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OF IDENTITY THEFT ...
Product: Credit card

SOMEBODY TRIED TO GET A CAPITAL ONE VENTURE CARD IN MY NAME IN DIFFERENT STATE OF ILLINOIS WITH MY INFORMATION AND WAS NOT ME. I NEED THE INQUIRY REMOVED FROM MY CREDIT REPORT.