23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your last response to our complaint you had stated you have not tried to collect the debt and that you have validated the debt ... XXXX and I received a notice from your agency yesterday in the mail, stating " this is an attempt to collect a debt '' Also has the information on how to pay your company and contact your company to pay the debt or make arrangements. To me this seems as if this is attempt to collect debt and you are not licensed to collect in the State of Utah. Secondly I asked that you provide us with full accounting information of the debt, supposed signature from XXXX and myself, full proof and validationof this debt. You mailed us the attempt letter with the copy of the judgement paper. This is not  validatingthat this debt is ours. I am going to ask that you either 1 delete this from our credit reports or 2 send us TRUE and VALID debt validation with all accounting information, application information, signatures, and  proof. Thanks,
Product: Mortgage

On XXXX, XXXX a representative from the ombudsman department called me. She stated that the previous mortgage statements I uploaded were not a 'verification of mortgage. ' I asked her " How is a customer to know the difference between a mortgage statement or a verification of mortgage? ' This had not been explained to me as I assumed the mortgage statements were sufficient enough. They keep changing the document types needed. This company is extremely invasive. They never asked me where the money was coming from when I was struggling to make the payments. They are asking for new documents and details every single day. 

Then I was asked to provide a lease agreement which the renters hadn't paid since XX/XX/XXXX. I have to wait for a response from the other mortgage company to fulfill the v.o.m. request and upload a lease agreement which is no longer valid. 

I lost my second job due to Covid 19 on XX/XX/XXXX. My loan was transferred to this servicer XX/XX/XXXX. Can I ask for a forbearance related to the Pandemic? The renters job closed due to those circumstances. The companies have shut down. They didn't work long enough to claim unemployment. I also couldn't receive unemployment benefits because I was working more than 32 hours per week. XXXX and XXXX programs can't help me.
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX with a date stamp of XXXX XXXX, 2019. In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/2019 I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights.  Shortly after the account was deleted off my credit report and heard nothing else from XXXX XXXX XXXX XXXX XXXX XXXX. 

I received a letter from PMS stating as of XXXX the account was assigned to them for collection. XXXX XXXX XXXX already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting Violation of FCRA and Maryland Identity Theft Laws Dear LVNV FUNDING, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Maryland identity theft fraud laws. Specifically, these violations are outlined under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, as well as relevant Maryland statutes regarding identity theft. 

It has come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as stipulated in the FCRA, consumer consent is a fundamental requirement for any reporting activity, as detailed in Section 1681b ( a ) ( 2 ). 

Furthermore, Maryland identity theft laws underscore the severity of unauthorized access and misuse of personal information, emphasizing the importance of obtaining explicit consent before reporting any consumer credit information. 

I want to make it unequivocally clear that I have not provided consent for LVNV FUNDING to report any information to my credit report. This blatant disregard for my rights constitutes a serious violation of federal and state laws, potentially damaging my creditworthiness and exposing me to financial harm. 

I demand that LVNV FUNDING immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Maryland identity theft laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional ; it is a legal obligation under both federal and state regulations, designed to protect consumers from unauthorized and damaging credit reporting practices. 

I expect prompt attention to this matter and require LVNV FUNDING to rectify these violations immediately, in accordance with federal and state laws.
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX XXXXXXXX  XXXX, Reference # XXXX XXXX  XXXX  XXXX, Reference # XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a dire

ct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptiv
e information on my consumer report. Delete this account from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my XXXX and Equifax report.
Product: Checking or savings account

XXXX was sent to wrong user and back told me I could not get money back on unauthorized process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Left the home loan to my ex husband judge in our divorce case awarded the home and responsibility for remaining payments to my ex husband. Selene finance is reporting a balance of $ XXXX in default I want this debt removed from my report. We have been divorced since XX/XX/2015. I live in Michigan and the home at XXXX XXXX XXXX in XXXX XXXX remains occupied by XXXX XXXX
Product: Vehicle loan or lease

TD Auto has flagged my credit as a charge off with a XXXX balance stating that I paid less than the original contract when I paid what they told me was owed. The dates for this account was XX/XX/2011. This company never noted the good payment history stating that I was just the co-signer, but always reports the negative payment history.
Product: Credit reporting or other personal consumer reports

XXXX : ** Complaint Against Equifax for FCRA Violations - Improper Verification of Bankruptcy **To : ** Consumer Financial Protection Bureau XXXX CFPB ) XXXX CFPB, ** I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, concerning the reporting and verification of a bankruptcy on my credit report and a collections account. 

**Details of the Issue : ** - **Credit Reporting Agency XXXX XXXX Equifax - XXXXDisputed Information : ** Bankruptcy entry, collections account - **Date of Dispute : ** XX/XX/year> - **Equifax 's Response : ** Per attached, Equifax Equifax indicated my bankruptcy was XXXX verified '' by XXXX XXXX. However, after speaking withXXXX XXXX they indicated they have no bankruptcy for me. I would like a detailed description as to how Equifax " verified '' the bankruptcy they have me as they are the only agency reporting it. 

I recently reviewed my credit report and found an erroneous bankruptcy entry listed. I promptly disputed this information with Equifax, providing sufficient documentation and explanation to support my claim that the bankruptcy report was inaccurate. However, Equifax responded by stating that they had " verified '' the bankruptcy and the account with XXXX XXXX as accurate.

Under the FCRA, 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. I believe Equifax has failed to fulfill this obligation by either : XXXX. Conducting an inadequate investigation, leading to an incorrect verification, or XXXX. Neglecting to properly communicate with the furnishers of information or other relevant entities to determine the accuracy of the bankruptcy entry and the collections account with XXXX XXXX. 

**Request for XXXX : ** Given these circumstances, I respectfully request that the CFPB : XXXX. Investigate Equifax 's procedures and practices in handling my dispute to determine whether they complied with the FCRA 's requirements. 
XXXX. Instruct Equifax to delete or correct the inaccurate bankruptcy entry and the collections account on my credit report. 
XXXX. Impose any necessary penalties or corrective actions against Equifax to prevent similar issues in the future. 

Please find attached any relevant documentation, including copies of my credit report, my dispute letters to Equifax, and Equifax 's response. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$78.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXXXXXX XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. XXXX is the only one still actively reporting that my account with First Bank Omaha is open and carrying {$2500.00} balance. I have called First Bank directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at XXXX on XXXX XXXX, 2017 he stated when they contacted First Bank of Omaha on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
Product: Money transfer, virtual currency, or money service

I became a member of Binance.US in the begining of XXXX and deposited XXXX dollars over thtrough the first ten days of XXXX when, i got a chargeback, which happened XX/XX/XXXX, it took until XX/XX/XXXX to get that resolved after multuple attempts to resolve it and multuple attempts to get ahold of customer service. I have tried to cash out of of all my crypto currency multuple times and also tried to buy crypto to add to my portfolio, i feel like this whole process has cost me XXXX  of dollars on top of what i invested, they have not helped, nor have they responded to any of pleas for help, this is a lot of money to me and i just want to get it out, please help me
Product: Credit card

In XXXX I was informed by a Company that was investigating Capital One and they were adamant on me Not making anymore Payments to Capital One. 
" I'm sorry that I do not remember the name '' I do remember being a little hesitant so my husband and I look into article reading, news searching and looking up this Company that contacted me. After much research, we found that Capital One was in a type of Cyber Activity and I was effected. So I did contact Capital One and received No info on anything! I stopped paying as I was prompted to do by this Company. Capital One did send me a email payment reminder and I never heard anything else, I have received credit card offers but No acct information. When I logged on Capital One app, it had/ has No account information at all such as amount due, past due, risk of collections ECT. I Do pay bills but I really try not to create bills I'd rather pay cash for things. So XX/XX/XXXX Out Of Know Where I recieved a Civil Court Notice from my local Judicial System " I unfortunately know all Judges well as I am Property Investment Owner '' I place the Court letter in office waiting for Capital One to open phone lines. My husband not remembering this situation from XXXX, calls the law firm on court paper and he pays in full. My husband doesn't have a clue what this is about but " we '' never want our name in a negative way in the court system so I come home and I'm being asked what is this debt? He's concerned not knowing what's going on and I'm a bit confused about it so I try calling with a high demand in calls, I was # 18 on wait! Know one answered after holding on speaker phone for more than 20 min. I tried multiple times to email them, haven't heard anything, I have sent " feedbacks '' multiple times with No response, I have disputed this non sense on credit report numerous times in numerous different categories and that hasn't changed. I received a email on XX/XX/XXXX cc : Payment Plan to Capital One and my private attorney informed us not to participate in this since we have No account number, balance or any information.
Product: Credit card or prepaid card

I was new to credit game and I got this credit card since I got here in US 2014, it was my first and oldest credit card. I was using it for 3 years with no problem and after I was injured with XXXX XXXX XXXX I was unable to work and behind payment for 30 days late and they sent me letter that they have closed my account and said I am still responsible to paying all debts in full amount. 
I dont mind paying full but after they closed my oldest card my credit score went down so bad its hurting my credit history too. 
Last week i even called to reopen but they say no way to reopen. But I can file request but it wont work the Representative said. Heart broken and hopeless situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX  and XXXX   about the inconsistencies on my credit file. They both responded with the information reporting on your file has been verified and its yours. I'm not saying that the account is not mine I am complaining that it is a violation to report such data that is not accurate. In reference to my NAVY FEDERAL account # XXXX I have never missed a payment it was always deducted from my bank account In XX/XX/XXXX the account was shut down by Navy Federal without warning or no explanation. XXXX thru XXXX of XXXX they have me as missing payments keep in mind they shut down my hold bank account??? I am still to this day making payments with no bank account just the accounts I owe on over the phone. They have the DATE OPENED XX/XX/XXXX on XXXX  and XXXX is reporting XX/XX/XXXX this is clearly a violation and grounds for immediate deletion. Then if you look at DATE LAST ACTIVE XXXX   reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX I have pointed out the inconsistencies to both bureaus with no results. Other than account is updated.
Product: Checking or savings account

My identy got stolen i got proof and am not unable to open a checking with any bank i try to contact XX/XX/XXXX and they dont help or send me letters back
Product: Credit card

Capital One ( account number XXXX  ) refuses to remove an authorized user account from my credit report with XXXX, XXXX, and XXXX. This account does not belong to me and I have made repeated attempts to have this " authorized user '' account removed. Since it is an authorized user account, the account status, payment obligation, etc. does not pertain to me and I have no responsibility for such. I am requesting for Capital One to remove the account from my credit reports with XXXX, XXXX, and XXXX immediately.