23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called Source Receivables is not providing me with the supporting documentation I am requesting to back up their claim. On XXXX XXXX, XXXX, I received response letters from their company but they did not provide sufficient legal validation of the debt they are referencing. They are reporting that I have an unpaid debt with them of {$840.00} but I have never done business with them and I have yet to receive any paperwork showing that I signed, and agreed to pay their company directly. The account number on my credit is : " XXXX ''. I sent the attached response to them on XXXX XXXX, XXXX via certified mail which I also have the receipts for and will be attaching as evidence. To this date, I have not received a proper response to my claim. This is not the only issue I am facing. This is the second company to pursue me for this same exact debt in less than a year 's time. There is another company called " XXXX XXXX '' who is also claiming to collect on behalf of the same creditor for this same exact amount, {$840.00}. I am attaching a screenshot from a recent report which shows the name of this second collection company who is also trying to pursue me for this debt. Their account number is # XXXX. HOW can there be two collection companies trying to collect for the same debt on my credit? How can this be possible? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this companies like this. Source Receivables has a 100 % negative review rating and several consumer complaints listed on the Better Business Bureau 's website. The other collection company has even worse reviews. In addition, the Better Business Bureau website lists Source Receivables as a company based in XXXX, North Carolina. I have never lived in North Carolina in my life. I will not give my money to any company I do not recognize and can not provide me with paperwork showing that I signed and agreed to pay them directly. I also do not feel comfortable having two collection companies who have my address and other possible personal information out there that I have not authorized them to have.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is supposed to be deleted has been stated on a previous complaint but still showing on credit report as open. 

XXXX is supposed to be deleted in which it has been stated on a previous complaint but still showing on my XXXX, report as open. 

XXXX XXXX XXXX XXXX  Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the account. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX, XXXX, XXXX, Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX XXXX XXXX XXXX Experian has failed to provide the proper documentation to me the consumer providing proof of my signature showing that I am the one indeed is responsible for the amount they say I owe and what the charges or for. I gave them all 30 days to provide to me the consumer the documentation to prove such claim. No one has done so but keep reporting false information to my credit report. 

XXXX XXXX account is too old to be on credit report and it was disputed and declared as deleted
Product: Credit reporting

EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours.
Product: Mortgage

During the Covid-19 pandemic, I lost XXXX years of income. The last mortgage payment Selene Finance received was in 2020, during the pandemic. I no longer had an income source, got behind on payments, made multiple efforts to make the payments. I was approved for a modification by the previous servicer, ( XXXX XXXX? ), and the loan was sold to Selene at the end of the modification period. When I received a letter of intent to foreclose from Selene Finance, I applied for another modification with Selene Finance but was denied. Then I applied for assistance through the Maryland Homeowners Assistance Fund, it took XXXX yrs. to process the application and have been approved recently for a $ XXXX XXXX. I conveyed this to Selene Finance. The MD HAF program requested an additional $ XXXX modification from Selene Finance to bring the loan current. I applied again, Selene Finance denied me, not allowing the opportunity to save my home. I filed a previous complaint questioning the pay-off amount owed to Selene Finance , because a full history of the loan was requested by an advisor, saying the principle wasn't correct, in excess of $ XXXX. Selene sent paperwork to CFPB, and I am waiting to receive a copy of the full history. I also filed a claim with my homeowners ' insurance for damages to the property incurred by contractors. I'm in the process now of selling the property " as-is '', and request that Selene return the $ XXXX endorsed homeowner 's insurance company check back to me upon sale or reimburse the insurance check back to me upon deed-in lieu if the property can not sell " as-is ''. The property has been appraised " as-is '' for XXXX. I have to drop the price due to the work still needed. Overall, in spite of the contractor negligence, I have increased the value of the property through the years, with good care, and deserve to be reimbursed the homeowner claim funds.
Product: Debt collection

I got a phone call from XXXX XXXX in XXXX XXXX, CA in XXXX, XXXX asking me to join. I declined and stated that I already have a membership at another gym in XXXX XXXX. In XXXX I got a call from Kingston Data and Credit attempting to collect a debt that I do not owe to XXXX XXXX. I have never been in an XXXX XXXX gym and I have never had a membership at XXXX XXXX. I called XXXX XXXX and they agreed that I dont have a membership there and said they would cancel the record. Then Kingston Data and Credit posted a negative remark on my XXXX XXXX credit report that I owed XXXX XXXX a debt. That is a false statement on my credit report that I demand be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XXXX, transunion received my personal information letter dispute with my request to fix my name and address and remove all inaccurate name and addresses from my report, today on XXXX XXXX XXXX XXXX  I receive a letter that says that a third party sent it our that I didn't authorized it, this letter was sent certified, with my license social, proof of address and even my birth certificate, this is clearly trying to stall my process and violate my rights. I have attached the initial letter, the proof or receipt of usps and their response letter for evidence. This is a direct violation of my disputing rights : The fair credit reporting act states : You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Product: Checking or savings account

I bank with Bank of America ; I started with {$2200.00}. On XX/XX/2021, the mortgage company withdrew {$2200.00}. By the end of XX/XX/2021, my account still had {$42.00} ; According to Bank of America, to combat a pending transaction of {$57.00} that didn't post until XX/XX/2021, they decided to charge me an overdraft fee even though I had an available balance of {$42.00}. My available balance on XX/XX/2021 ( Friday ) was {$1300.00}, and they pulled a pending transaction of {$57.00} ; they also drew a {$35.00} overdraft fee on XX/XX/2021. Even though there were available funds, and my account didn't have a negative balance, they informed me that it isn't possible to take off the overdraft fee. I spoke with XXXX and XXXX, Manager ID XXXX. Them charging me an overdraft fee for a pending transaction is by far the craziest banking issue I have ever run into and is just another way for banks to capitalize on hard-working American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and found out I have multiple identity theft accounts. Please remove this as soon as possible so I can buy a house for my wife and children.
Product: Debt collection

Dis is faurd I never did business with dis company also I never sign anything with my name on it how can I owe dis company any debt. Also da law stats 15 usc 1692 c clearly states if a consumer notified a debt collector in writing the consumer refuses to pay a debt the debt collector
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 
I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me.

Correction or Removal : Remove all inaccurate addresses from my credit report. 
Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get Transunion and XXXX  to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions
Product: Debt collection

A company Ive never did business with is harassing me, claiming to collect money on behalf of XXXX XXXX for services Ive never used for {$550.00}. Using unauthorized personal information as they emailed me the fraudulent information with even an incorrect address .When they probably bought the account for pennies. Ive been on XXXX XXXX XXXX XXXX XXXX XXXX  and have been paying my ACTUAL XXXX XXXXXXXX bill just fine. I just got my last collection off my account and then this happens. This is harassment and attempted exploitation.
Product: Debt collection

Was called by a private number several times, the last time occurring on XX/XX/XXXX, that said they were collecting on a debt on acquired from Wells Fargo for overdraft fees from XXXX account. However, I did not have an account with Wells Fargo in XXXX. 

I did have an account with Wells Fargo in XXXX but closed it 1-2 years later in good standing due to their terrible business practices. I've never used them since. I was never contacted by Wells Fargo about this, they are the first to make such accusations about me. 

They said they are serving me papers and suing me for the amount of {$1300.00} and I would incur additional costs for legal fees resulting in more to be owed. They claimed they could not provide me with any information about debt to be collected. 

They said they were using a company called XXXX XXXX to serve the papers. The number they gave me to call was XXXX and a report number. Which I can provide if you need it.
Product: Credit reporting or other personal consumer reports

Equifax is a lost company, no strong management, account not being checked for accuracy, fields left blank or NA on information that is very important to creditors and COMPLETELY INACCURACY AND NEGLIGENCE ON MY REPORT AND SCORES. They keep opening old old acc that I havent touched for more than 7 years, they keep changing remarks on old acc. I need HELP PLEASE, IM TRYING TO APLLY FOR A MORTGAGE FOR A HOUSE. This needs to change or Im taking to higher authority.
Product: Credit reporting or other personal consumer reports

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 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  My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C . 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting or other personal consumer reports

15 USC 1692 ( c ) the law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt that debt collector must cease all communication. 

15 USC 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please remove the following from my credit report. immediately. 

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: Money transfer, virtual currency, or money service

Hello, I'd like to update a file about XXXX XXXX XXXX and XXXX XXXX XXXX For XXXX : File # XXXX For XXXX : File # XXXX They sent a Wire Transfer Form to XXXX XXXX ( Law Firm XXXX XXXX ) to verify and ask me to pay a {$700.00} Processing fee again I run out of cash due to one fee after the other from them, I am a XXXX person who receives an XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX Check per month how can I afford to pay so please help to address this matter. 
I'd like to know why do I have to pay fee of $ XXXX for TD Bank to wire an amout of $ XXXX to my XXXX XXXX  XXXX XXXX Account XXXX 
Yours Sincerely, XXXX XXXX XXXX XXXX : the funds is $ XXXX ready to deposit in my Bank Account XXXX But I'm in financial Crisis they won't be liable for their misconduct.
Product: Credit card

I had a Chase card account that was CLOSED and DISCHARGED through bankruptcy since XXXX 2011 but still showing in my credit report. I tried to contact Chase twice via letter but they Refused to remove it from my credit report.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

the issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

I opened a savings account online with Affirm on XX/XX/2024. I added monies into account a few times. Now, my account is FROZEN!! When I call I do not get an adequate reason why. I received an email on XX/XX/2024 to verify my account with State issued ID front and back, and a self taken picture on their Net Verify link and sent them that evening. 
This is from the email ; To complete verification on your Affirm account, submit the information listed below within XXXX days through this link before it expires : https : XXXX? XXXX -- XXXX & locale=en-US I did set up auto payments weekly from this account to another bank for my auto loan. XXXX was sent successful. 
The first time I called the woman said something about " laundering '' money ''! Other call representatives just say they will escalate to another department. I requested a supervisor and she said same thing. The number I have been calling is XXXX. I also called XXXX XXXX Bank at XXXX, who is listed as the bank that holds the money. XXXX said the bank has nothing to do with deposits just loans for Affirm. Currently my balance is {$2900.00}. I opened this account because they offered a higher interest rate than my bank. 
I am XXXX and on Social Security so this money is almost all I have and is crucial to my quality of life, I do not have the whole account number due to account frozen and can not see it. I have the last XXXX numbers only. The Routing number is XXXX,