23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TRS Recovery Services is attempting to collect an XXXX debt of {$13.00} that is not mine. The debt is not mine for the following reasons : I submit the following : The debt of {$13.00} for a transaction on XX/XX/2022 is not my debt and this was verified by a personal phone call to XXXX who assured me that I do not have any outstanding balance or debt on my account. 
The banking information with the account XXXX that you list in the Payment and Transaction history is not my checking account. I do not have, nor have I ever had an account with that bank account number. A quick search of my personal checking verifies that this transaction never occurred on any of my personal checking accounts. This was easy for me to verify because I am employed at the bank in which I do my personal banking. I will not be providing you with that record because the burden of proof does not rest with me because the account listed isnt mine. You will need to find the correct owner of the account for that information. 
The billing address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address, nor has it ever been my address. 
The delivery address of the XXXX item to be delivered is listed as a mailbox in : XXXX XXXX XXXX. I do not live, nor have I ever lived in XXXXXXXX XXXX 

I have been sent a letter of collection three times. I ignored the first letter but have responded to the second two requests. In the requests, TRS is asking me to provide personal information ( Social Security #, Driver 's License #, bank routing # and account #, etc. ). I have not provided this information in fear that providing it would give them the means of hitting my credit report for an unmerited charge or the information needed to draft the payment and penalty from my banking account.

TRS is also asking me to complete a Forgery/Identity Theft Declaration. This would be inappropriate, because there has been no forgery or identity theft attempt. The delivery address, billing address, and banking account # listed is not mine so no forgery or identity theft occurred. TRS has simply attached the debt to the wrong person
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) The documents needed are a picture ID, A bill, And a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, Pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification, as well as the information requested from the list of acceptable items which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX ) ( ) XXXX XXXX )
Product: Debt collection

The amount is incorrect the company kept the security deposit of {$2000.00} dollars and additionally said I owed them almost {$3000.00} dollars due to damages on a home left in excellent condition. There was not a write out or any receipts giving to me saying how I owed the amount requested and legally wear and tear does not count.
Product: Mortgage

This is not a duplicate complaint, please DO NOT CLOSE IT. 

I have called the company multiple times regarding the incorrect 2021 IRS Tax Form 1098 as attached. Fay Servicing reported incorrect EIN to the IRS. I have provided them with the correct EIN and the W9, however, the company still has not resolved my problem despite all the promises. I am afraid of the late tax filing to IRS. The current EIN ending in 9770 is incorrect. See attached correct W9 for 25 High Investor LLC.
Product: Credit reporting or other personal consumer reports

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the XXXX XXXX XXXXXXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Product: Payday loan, title loan, or personal loan

I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.
Product: Checking or savings account

Promotion sent to email for promotional offer of XXXX dollars if a new checking account is opened by XX/XX/2021 and XXXX of direct deposits within 90 days at Bank Of America. Talked to people on the phone from the company and they can not find the promotion.
Product: Debt collection

My Name is XXXX XXXX XXXX, In XX/XX/2017 our son got into the emergency room at XXXX XXXX ( XXXX : XXXX ). Our health insurance carrier at the time was XXXX XXXX. While the above hospital was out of network we were covered for emergency room visits. 
XXXX XXXX is refusing to partiality pay the bills and now we are receiving collection bills. 
We called XXXX hospital and were told not to worry since we are not responsible ( we have notes of dates, times and names of the people we spoke too ). We appealed through XXXX XXXX and followed all of the possible avenues. 

Attached is the collection bill, copy of our previous insurance and some of the previous bills. 
We can be reached at XXXX for further clarification. 
Thank you so much. 

Yours, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a cashier 's check for {$18000.00} and all the required documentation to payoff the lease I had for my Toyota XXXX. After a few weeks of waiting to receive my title, I called them and was told they had received but LOST the cashier 's check. I was told I would receive a letter from them with instructions. I then received a letter that said they received the cashier 's check but could not locate it so I needed to send them a new one. 

The problem is that my bank will NOT put a stop payment on the cashier 's check for 90 days and I don't have another {$18000.00} to send them again. When I call them they tell me they will wait for the 90 days ( even though their letter clearly states they will only wait for 30 days ) and that no adverse action will be taken against me. However, I keep getting communications from them urging me to return the car, and when I call, the system tells me the call is intended to collect a debt, so in their system I'm obviously flagged as delinquent. 

I am really worried they will ruin my credit ( or worse, that the car will be repossessed ) even though the call center people assure me they won't because they recognize their mistake. Ultimately, my assumption must be that this reporting is systematic and will eventually escalate actions against me. 

I really need them to change their system so I'm no longer flagged as delinquent OR I need to have in writing a statement saying no adverse action will be taken against me.
Product: Credit reporting or other personal consumer reports

There are several companies that have pull hard inquiries on my consumer profile without my knowledge.
Product: Debt collection

On XX/XX/2021 I checked my credit reports as a monitor them on a daily basis. A new collection had shown up for a company called L J Ross and Associates. It looks like this is for a XXXX XXXX account. I have a current account with XXXX XXXX. One that is in good standing. This collection agency reported it to the three major credit reporting bureaus. No notice was ever sent to me regarding who this is or what this account is for. No details were ever supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score. 

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 


PleAW Hvw these accounts deleted off of my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you update this account as all payments made on time and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I sent a letter to ALLIED COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Mortgage

My mortgage company failed to pay my tax bill on time and now there is a hefty late fee. My mortgage has an escrow account for my homeowners insurance and my taxes. I called to notify them several times last year. Called the town to notify them. They have failed to pay the late fee they incurred. My mortgage payments are auto drafted. Zero reason for any late payments. That fee has now carried over into my XXXX taxes due XX/XX/XXXX. I will not pay ANY late fees because they didnt submit payment in time. Now theyre trying to raise my mortgage payment to offset the late fees. This is insane. My escrow balance to date is {$880.00} my spring taxes are only {$470.00}. The delinquent tax is {$100.00} plus a penalty is {$10.00} Carried over from last year. So how is it monthly I contribute {$370.00} into my escrow account that covers my homeowners insurance and my taxes for the year. My homeowners policy is {$2600.00} for the year or {$210.00}. My property taxes are {$940.00} Total yearly liability of {$3500.00}. Now if my total liability is {$3500.00} and PPH is taking out $ XXXX {$4400.00} how in the heck do I owe anything? That would be because they made my tax payment late. I called and nothing was resolved. I have since called again this morning. Of which they wanted to send me to voicemail again. I said no I want a supervisor. Which now leads me to waiting again to see if they fix their mistake without trying to charge me for their mess up.
Product: Debt collection

I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with XXXXXXXX XXXX ( Originator ) & SPRING OAKS CAPITAL LLC., and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible.

o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX