23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX scheduled XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When I was informed they had scheduled the XXXX to take place at their XXXX XXXX I requested that they move the XXXX to XXXX XXXX, as XXXX was out of network. The scheduler stated they had a preauth and it would be covered at in-network rates. I called my insurance company and was told that XXXX was out of network, so I called XXXX, the scheduler and asked again for the XXXX to be moved to XXXX XXXX based upon my conversation with my insurance provider. I was again told that my request to move the XXXX was being denied. I explained that I was concerned that even if my insurance processed the charges as in-network that I would be balanced billed. XXXX told me that XXXX would not balance bill me and would write off any portion unpaid by insurance. In XXXX I got a bill for {$14000.00}. I called XXXX to resolve the issue and was told to ask my insurance to pay the remaining balance. When I spoke to my insurance they stated that the remaining balance was above the reasonable and customary charges for my XXXX and that they could not require XXXX to write off the remaining balance. In XXXX I made a complaint through the compliance department and was told the issue would be resolved. They resubmitted the claim to my insurance and my insurance stated they over paid for an in-network rate. I got another bill from XXXX for a little over {$24000.00}. I again filed another complaint and was told that XXXX stated she had denied my request and they would resolve the issue. The claim was again sent back to my insurance, denied the request for paying the balance in full. I got another bill in XX/XX/XXXX for {$18000.00} and again called the compliance line and was told it would be taken care of. The total balance was removed from my account and I thought the issue was resolved. XX/XX/XXXX, I got a collections notice for the balance. I informed ICS that XXXX had stated the would resolve the matter, and they have not sent a response from XXXX or stopped collections.
Product: Debt collection

I was recently checking my credit report and noticed a collection account from Security Credit System for {$4600.00}. I do not know this company and have never given them permission to report anything on my consumer file. 

Currently this company is reporting negative information as if I am legally obligated to pay a debt to XXXX. This account has been causing me stress an anxiety as it is listed as charge off yet I have never received the proper tax documents from the alleged original creditor. Additionally I have never done business with this company and demand they show proof that I have. I'm attaching my requests to them to get this resolved so I can move on with my life.
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 the consumer reporting agency can not furnish a 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.

XXXX
Product: Credit reporting or other personal consumer reports

XXXX, & Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX XXXXXXXX GA XXXX there should be no other addresses on my report. There are several addresses reporting that are non mailable and should be deleted. The XXXX XXXX should also be deleted.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name XXXX  XXXX Account # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I would like to make a Complaint with this Company I dont owe this company XXXX XXXX XXXX {$1100.00} They have the wrong person and Ive never heard from this company up until this year XXXX when I checked my Credit Report they opened collection in XX/XX/XXXX without notifying me.
Product: Mortgage

On XX/XX/XXXX Wells Fargo Bank NA claimed in their final response that its affiliate appraiser XXXX XXXX whose license was revoked in XXXX, had a secondary appraiser support his fraudulent appraisal of my home. 

The address on the appraisal document was incorrect and never corrected and the homes the subject property was compared to was considerably larger. 

Wells Fargo requested that I allow them to " update the false information '' they repeatedly submitted to validate the current mortgage. I DO NOT AGREE to Wells Fargo request to alter or omit any more information from the loan origination documents it previously presented in its attempt to validate the current loan. 

Wells Fargo has committed mortgage fraud multiple times by knowingly submitting fraudulent documents with fabricated items over the course of 5 investigations in an XXXX attempt to validate the current mortgage loan which was the result of a misrepresented loan amount it knowingly purchased from XXXX XXXX A Division of XXXX XXXX XXXX in XXXX. 

Please note Wells Fargo omitted XXXX XXXX 's appraisal report in its latest revision of the loan origination documents submitted before the CFPB. Additionally, Wells Fargo never presented the second appraisal report that it mentioned. 

I am requesting Wells Fargo provide a copy of both appraisal reports before the CFPB. 

I am requesting Wells Fargo provide a notarized copy of the waiver it presented in its last response. 

I contend that without valid loan documents Wells Fargo is attempting to collect on a fraudulent mortgage loan. 



Thank You
Product: Debt collection

On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015. 
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB. 
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition. 
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.
Product: Credit card

There was a balance on my credit card. I was informed that the money from my savings account would be released ice I paid the balance. After passing the balance, they transfer money from my savings toward the credit card. I was never notified of there intention to close the credit card or to take money from my savings account. Without notice of choosing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian is unable to help me remove this, CFPB please delete the 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX acct # XXXX dated XX/XX/XXXX and XXXX XXXX acct # XXXX. Experian did their investigation XXXX XXXX and then XXXX XXXX was verified as accurate using the EOscar method of verification. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Experian has used an EOscar menthod of investigation without and true explanation of how the accounts were verified. I requested original documents from Experian showin any written proof from XXXX XXXX or XXXX XXXX that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received no documents that by law, I am entitled to. Experian is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Experian as well as XXXX XXXX and XXXX XXXX. I have attached a clear copy of my drivers license and social security card to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX-Late/Closed Late Dates XXXX
Product: Debt collection

I went to medical office and they said they accept my insurance before taking care of me. Now they are claiming they do not accept my insurance. I repeatedly asked them if they take my insurance before I accepted care. I dont know why they did this. I feel scammed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request Dear LVNV FUNDING, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please consider this letter as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting that you provide adequate validation to substantiate your claim. 

To properly validate this debt, please provide the following : 1. Verification of the Original Debt The name of the original creditor. 
The original account number associated with this debt. 
A detailed breakdown of the balance, including principal, interest, fees, and any other charges. 

2.Proof of Ownership and Authority Documentation proving you are legally authorized to collect on this debt.

A copy of the assignment contract or agreement between your agency and the original creditor ( or any intermediary ) that transferred ownership rights to you.

3.Verification of My Obligation Any evidence, such as a signed contract or agreement, showing that I am responsible for this debt. 
Details of any payments made on this account, including dates and amounts, to validate the current balance you claim is owed. 

4.Confirmation of Statutory Compliance Proof that this debt is within the applicable statute of limitations for collection in Maryland. 

Pursuant to the FDCPA, all collection activities on this account must cease until you provide the requested validation. Please note that failure to provide sufficient evidence will result in my request for you to remove this alleged debt from my records and discontinue any further collection efforts. 
This letter serves as a formal record of my dispute. I look forward to your response with the requested documentation. Please respond within 30 days of receipt of this letter. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - an re-investigation was requested. 

The company has not responded within 30 days with the reinvestigation results.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute a charge off account status that has shown on XXXX, XXXX and XXXX. The creditor is Toyota Financial Services. I am requesting that Toyota Financial Services remove or update my account as a closed account rather than a charge off. 

I had an active car loan with Toyota Financial Services which I have paid monthly. On XX/XX/year>, I had some water damage to my vehicle which I placed a claim through my insurance company XXXX. On XX/XX/XXXX XXXX submitted documents to XXXX stating that the vehicle suffered a total loss. Although, I did not agree with the loss water damage claim, I continued to make monthly payments to Toyota Financial Services. Furthermore, I repaired the vehicle with my own finances through XXXX dealership who is owned by XXXX. The vehicle is repaired, in good condition and still in my possession. 

On XX/XX/XXXX I received an e-mail from Toyota Financial Services stating that my car loan had charged off on XX/XX/year>, for {$20000.00} and has been sent to a collection agency, XXXX XXXX XXXX XXXX. I immediately called Toyota Financial Services, as I had no understanding of why my account was charged off. 

A representative said that a letter had been sent to me. I informed the representative that I never received such letter and that I've been making monthly payments to XXXX on this account. 

At that time, the representative forwarded the letter to me via e-mail although the account had already been charged off. 

I am requesting that XXXX XXXX have the item removed as a charge off account status and or updated as closed or completely deleted. 
This charge off status has damaged my credit. This action has been done without giving me proper notification to resolve within a timely matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : Sequium asset solutions  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after the XXXX  Data Breach in XXXX. I discovered this in XX/XX/XXXX when XXXX separate accounts were opened with XXXX, Discover, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from XXXX XXXX XXXX is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The XXXX XXXX XXXX account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and XXXX XXXX XXXX. A discover account was opened in my name in XXXX that is a result of identity theft. XXXX  is refusing to remove the ID Theft account from Discover, XXXX XXXX and XXXX XXXX XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX  is refusing to remove the XXXX XXXX XXXX identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX report where I could not qualify to even be a member because I have never worked for the federal government
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, Equifax and XXXX to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.