23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Wakefield & Associates. Wakefield & Associates have improperly placed a collections in the amount of {$2800.00} and they refuse to remove it even though I have provided ample proof that I am not responsible for the negligence of the original creditor XXXX XXXX XXXX XXXX. 

I was in a XXXX XXXX XXXXXXXX. I was transported to the hospital via ambulance. At that time, I provided the ambulance company all of my insurance information. In XXXX of XXXX ( 4 years later ), I saw that the paramedic company had sold the collections account to XXXX XXXX. I was surprised and I called my insurance company- they stated by law XXXX XXXX ( original creditor ) was supposed to bill for the service provided to me within a year from the date of service. XXXX XXXX did not bill until XXXX years after the date of service. They then received a denial and explanation of the bill - stating they were then supposed to write off the balance because it was not filed in a timely manner. It is not my fault that XXXX XXXX was negligent and waited over XXXX years to bill my insurance. I am not responsible for payment as I was and still am insured. Once I provided XXXX all of the necessary documentation XXXX removed the collections from my account. However, instead of resolving the matter they sold the account to Wakefield & Associates. Wakefield has now placed the collections back onto my account and refuse to remove it even though, I have provided ample proof that I am not responsible for XXXX XXXX 's billing negligence. As I mentioned above, I was fully insured and had XXXX XXXX billed within a timely manner ( the legal amount of time they have ) they would have been paid by my insurance company.
Product: Debt collection

I have never been to this hospital or even city continued harassment at work and on personal cellphone
Product: Mortgage

On XXXX, we suffered a house fire. XXXX sent us a check for {$210000.00} to rebuild our house. The check was addressed to us, XXXX and XXXX XXXX, our private adjuster, XXXX XXXX XXXX XXXX, and Freedom Mortgage. We owe a mortgage on our house, and we are not behind in payments. We contacted Freedom Mortgage regarding the check. On XX/XX/2023, we received an email from XXXX XXXX XXXX containing a packet of five forms we were instructed to complete and send to Freedom Mortgage with the endorsed check in order to receive the {$210000.00} to rebuild our home. We sent the completed forms and the endorsed check via XXXX mail overnight to Freedom Mortgage on XX/XX/2023. On XX/XX/XXXX, my husband, XXXX XXXX called the Freedom Mortgage Loss Draft Department and spoke to XXXX. XXXX said our packet and check had been uploaded XX/XX/2023 into Freedom Mortgages Loss Draft Department. He then stated that we would receive our check within ten business days from when the check was uploaded. 
Today is XX/XX/2023. XXXX business days have come and gone. Freedom Mortgage gave me a XXXX tracking number created to mail my check. Today XXXX, I called XXXX and they have not received any package from Freedom Mortgage associated with the tracking number. They did confirm that tracking number was generated by Freedom Mortgage XX/XX/2023. 
Today I received a message in writing from Freedom Mortgage through my portal on their website stating that my check was mailed to me XX/XX/2023. 
Today, when I called to verify this information, XXXX in the loss draft department said the check is being processed and the earliest it would be mailed to us is Wednesday, XX/XX/2023. Also, I haved asked numerous times both in writing and verbally that my processor, XXXX XXXX, call me regarding this matter. No one has called me. 
Clearly, Freedom Mortgage has exceeded their timeline of XXXX business days to give me my money. I told them in writing and verbally that I have a XXXX XXXX XXXX daughter who is a XXXX and XXXX. Our house that burned was XXXX accessible. Currently, we are in a rent house that is not XXXX accessible. Freedom Mortgage is also in violation of the Americans with Disabilities Act by denying me the funds to rebuild my home that is accessible to my daughter. I am requesting that I immediately receive my check. Attached is all messages sent and received through the Freedom Mortgage website portal regarding this matter. 
XXXX and XXXX XXXX cell : XXXX, cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting equipment lost on my report as if this was not 2 years ago. I also returned the equipment from XXXX. This is reflecting on my credit report as if it was a recent activity. I had XXXX in 2019. I do not owe the XXXX XXXX is falsely representing the debt as if it is a new debt that was not paid in full with the return of the property. 


Capital One In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights. Under Act 15 U.S.C. 1681 section 602 states " I have the right to Privacy ''. 15 U.S.C 168 section 604 A section 2 also states, " A consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a credit card account under open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 accounts that are reporting inaccurate information to my credit bureaus. As per the FCRA anything information reported in my name which comes from the same source should be accurate. Please delete the accounts that are reporting inaccurate to my credit bureaus. I have attached the accounts and highlighted the inaccuracies.
Product: Debt collection

per the last complaint on XX/XX/2022 complaint number XXXX the company stated, " Ability Recovery Services is a third-party debt collector ''. I never gave Ability Recovery Services any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt I owe. I have attached a copy of the debt validation letter, along with the cease-and-desist notice. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Ability Recovery Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Ability Recovery Services any right to collect on this alleged debt. I have never received any documentation requesting validation from Ability Recovery Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Ability Recovery Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

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 Ability Recovery Services, 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 Ability Recovery Services, continues its collection efforts, I will file for litigation for actual damages caused and Ability Recovery Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. 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: Debt collection

Court related debt stemming from XXXX. Agency took on collection for county court. All debts paid to courts in XXXX XXXX County and XXXX county WA. Settled with Washington Collectors in XXXX also for all remaining fines. {$3500.00}. Collectors did not report as paid, continued to accrue interest and held my license. Were subsequently paid again to release license. Contacted them about these matters and they told me they were never paid. Still saying I owed them over {$7300.00}. Contacted courts which said was reported partially paid. Was not given resolution and hung up on.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX 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 XXXX, the financial institution and the Consumer reporting agencies Equifax, 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, Equifax, XXXX, and XXXX XXXX whether it be verbal, 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 of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, 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: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX  XXXX {$19000.00} XXXX  XXXX  XXXX {$170000.00}
Product: Credit card

Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Product: Debt collection

Commonwealth Financial Services violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Commonwealth Financial Services does not have any documentation, they need to retract this from my credit file immediately
Product: Debt collection

Pressler & Pressler , LLP, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Felt The Consumer Financial Protection Bureau ( CFPB ) ordered the debt collection law firm Pressler & Pressler , LLP, two principal partners, and XXXX XXXX XXXX XXXX XXXX XXXX, a debt buyer, to stop churning out unfair and deceptive debt collection lawsuits based on flimsy or nonexistent evidence. The consent orders bar the companies and individuals from illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. The orders also require the firm and the named partners to pay {$1.00} XXXX, and XXXX XXXX to pay {$1.00} XXXX to the Bureaus Civil Penalty Fund. 

PRESSLR & PRESSLER have ruined my credit for 20 yrs with all these fraudulent judgements, I should be compensated for my lost and denial or credit.

PRESSLER & PRESSLER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WHO REPRESENTED XXXX sent me XXXX XXXX  of letters with fake judgments amounts, foreclosure letters etc. Now I want to open a claim for {$350000.00} to recoup all the over charged payments I made stemming from fraudulent judgments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Fair Collections and Outsourcing are weaponizing my credit report against me. I am not disputing the debt, I am disputing the fact that at no point did either of them report all of the positive payments made. The account is past the statute of limitations in NJ. This was placed on my credit for one reason, to force payment of a debt. This is reckless, unfair and an abusive use of the credit report. If they are going to report, then they should have to report from the very beginning. By only reporting the bad, it is false and misleading to current and future creditors of mine. The FCRA was not designed for this. 

I am open to negotiate with them, as soon as they remove this from my credit, as at no time did I know that the primary customer was not paying and following the lease. I was not contacted until it was placed on my credit, again, reckless and abusive. Simply remove this from my credit report, or report it as current, and I will pay it off
Product: Credit reporting

Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I received my docusign loan documents. XXXX XXXX is the platform that I used to request the loan. I was told I would be funded in 7-10 working days its been 34 days. I created several funding inquirie tickets, I called ( XXXX ) XXXX, I spoke with the receptionist. She told me 24-48 hours someone would reach out to me. They have the funds and XXXX XXXX is the CFO on the promissory note. My SBA Loan # is XXXX. I signed documents before people that signed on XXXX or later and they are receiving their funds. Its like they just forgot about disbursing my loan that been approved by the SBA and sent to Capital Plus Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Product: Money transfer, virtual currency, or money service

My PayPal account got permanently limited by PayPal on XX/XX/XXXX. However, I did not do anything that violate their rules. I just sold a second-hand cloth on an app called XXXX  because I need money, PayPal put that money ( {$410.00} ) on hold for a few days, and before I can get that money, they put my account on limitations, and I could do nothing to restore the account. I am so confused and they have no right to hold my money!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

On XXXX, XXXX Mr Cooper mortgage company rejected the MONTHLY payment I made on XX/XX/2024 in the amount of XXXX DOLLARS This amount of money was not applied into my account and not returned to me. It was never put even into so called unapplied funds. They never told me that was not applied. 
On XXXX I paid additional principial payment of XXXX dollars. They ripped it off to XXXX monthly payment and rest little of money to principial. 
I raised concern and sent XXXX certified mail about it on XXXX. No action, no respond. 
On XX/XX/XXXX they took from autopay my XXXX monthly payment of XXXX dollars and no news about not applied money in XXXX XXXX. 
I have sent another certified mail through XXXX on XXXX. No action and no response. 
Of course I tried to contact via emails and live chats and every time they gave me only promises. 
Their XXXX XXXX XXXX XXXX contacted via phone after middle of XXXX and admitted they really held this money. 
But since that time I tried to ask them to place money to principial amount. 
They never did this. Instead of this the\y placed it my guess to nowhere like future monthly payments. As of today, XXXX, XXXX, they yet did not apply them. Of course I have lost already some money on interest by them not applying it for almost 2 months, I sure want them to apply this to principial. They don ; t do it!
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. 

account name : 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 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 crime 's 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

These inquires need to be deleted off my credit report. I did not authorize these companies to run my credit therefore these inquiries are fraudulent.
Product: Credit reporting or other personal consumer reports

, 15 U.S Code 1681b - 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 to 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.