23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX To Whom It May Concern : This letter is regarding Helvey and Associates an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX  XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive taken a look at my credit reports and I see this in my collections Please take this off my report I have no knowledge of thisMRS BPO Last reported XXXX XXXX XXXXXX/XX/year> {$170.00} Open balance MRS BPO
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to Equifax. On XX/XX/XXXX I submitted packets to all three credit bureaus to place credit freezes on my XXXX children. My USPS tracking number indicated Equifax received the packet on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to see what was going on because I had neither received my certified mail receipt nor a confirmation letter from them that the freezes had been placed. ( I had received my letters from the other two bureaus weeks before. ) Equifax proceeded to tell me that they had not received my packets. 
I ended the call and went to the post office where a postal employee printed a confirmation of the signature they received when it was delivered to Equifax on XX/XX/XXXX. I immediately called Equifax again and tried to gain more information about where my packet may have gone and what is the standard process for mail that they receive. I spoke to a representative who could not give me any information. I asked to be transferred to a supervisor. I did not receive any information from him as well. In fact, he hung up on me. I have the phone call on video as proof. 
I would like to know where my packet is that has all the birth certificates and social security numbers of my children and myself. This is critical information and Equifax does not have a clue as to where it is at within their organization.
Product: Debt collection

Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.
Product: Debt collection

XX/XX/XXXX, a representative from XXXX collections company called me and left a message. I called them back immediately and was transferred to the agent who left the message. The man told me I owed {$1800.00} to XXXX and that the company asked him to call me before they got XXXX XXXX XXXX involved. I asked if they are planning to sue me then since he said they were planning to get XXXX XXXX XXXX involved. The representative denied that he said anything of the sort and I asked him why XXXX XXXX XXXX would get involved unless they were planning legal action. He didn't really address that question. I asked for detailed information on the debt, account info, original contract, etc. and he said they sent me a letter ( which I never received ). He said he could email me the letter and I asked him to. When I received the letter, there was just the amount they said I owed, with absolutely no itemized breakdown of charges or original contract. Just a letter with company letter head. I watch my credit carefully and just refinanced my home. I don't have anything from XXXX on my credit and I don't recognize the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A financing Agreement was signed and dated XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX which is named XXXX XXXX with XXXX XXXX ID XXXX with a corporate address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX, XXXX as financier. In Exhibit A under the Authorizations section of the Financing Agreement ; NO is checked stating that XXXX XXXX XXXX XXXX  XXXX XXXX is authorized to investigate the members credit history. We never provided them with a social security number either. 
We were contacted by Blackwell Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, AZ XXXX communicating as a debt collector for XXXX BY XXXX XXXX XXXX They state in their letter that " your credit report will also be updated to reflect a paid account. '' I am at a loss as I was unaware that the US allowed foreign entities to report negative items on US based credit reporting agencies especially since my credit was never authorized to be investigated our social security number be utilized for this transaction on XXXX XXXX XXXX as per the agreement signed in XXXX with jurisdiction in that Country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

The creditor wrongfully reported this account to my credit profile. I did not receive written notice of this debt and push to have it removed immediately.
Product: Credit reporting

I have been in contact with XXXX 's Bank DE since XXXX XXXX about the error in reporting on my credit report. The error is hindering the purchase of a new house for my wife and I. I have given permission for XXXX XXXX Bank to withdrawal monthly payments from my personal checking account since XXXX XXXX. Since this has been set up and they have been withdrawaling the payments they have been reporting me 30 days or more late, from XXXX XXXX to the current date. I have spoke with them about the withdrawals and they stated that my account is current and has not been late. The reporting is an error. Please see attached document. When I spoke with them again today they stated the same, account is current and never been late, but XXXX 's can not remove the error in reporting on my credit report as it has been posted. They stated there is nothing they can do, except for make it right from today forward. This really needs to be corrected as it is effecting my credit score and our home purchase. We are suppose to close at that end of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian XXXX And XXXX has put an Auto Account with out my consent. The Company name is XXXX XXXX XXXX XXXX. Account # XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I May presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Debt collection

XXXX XXXX XXXX XXXX. Purchased my debt from midland credit on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. XXXXXXXX XXXX has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called XXXX three times since I was served. I have left messages regarding the lawsuit. I was told by XXXX, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that XXXX is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

have not taken off chapter XXXX and chapter XXXX bankrupty which is 10 plus years old
Product: Mortgage

In XX/XX/XXXX, my rental home mortgage was transferred to NewRez LLC. Starting in XX/XX/XXXX, NewRez stopped apply my extra principal payment to principal but applied the amount to the next payment. The call history with NewRez is as follows : - XX/XX/XXXX - Spoke with XXXX who corrected principal payment, future issues would be fixed and recommended one check be provided and not a separate principal amount. 
- XX/XX/XXXX - Spoke with " XXXX & XXXX to again resolve principal payment as it was applied to next payment amount and not to principal. 
- XX/XX/XXXX - Spoke with XXXX XXXX who again fixed principal amount and made note in their system to ensure extra amount be made to principal - XX/XX/XXXX - Spoke with XXXX to fix XXXX payment and apply principal amount to loan and NOT next payment. 
- XX/XX/XXXX - Spoke with XXXX to resolve XXXX principal amount being applied to next mortgage payment. 
As seen in the attached and according to NewRez policy, " excess funds paid will be posted to principal balance. '' I am extremely frustrated with NewRez continuing to apply my extra principal payment to the next mortgage payment and feel as if they are trying to take advantage of me for extra interest. The above is completely documented in the attached.
Product: Debt collection

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Colonial Auto Finance using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Product: Debt collection

THIS MESSAGE IS FOR A REGISTERED AGENT ONLY Today on XXXX MECHANICS BANK AUTO FINANCE threatened to harm my consumer credit report by reporting a late payment. Today I notified MECHANICS BANK AUTO FINANCE that there is a bill error pursuant to 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) Please provide all documentary evidence for clarification of who funded the account. 
Documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( D ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. 


Mechanics Bank can not report any alleged late payment in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If Mechanics Bank Auto reports late payments without meeting the requirements under XXXX U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account number XXXX Attached is an Affidavit, Exhibits, Cease and Desist, and Bill of Particulars to resolve this issue you must read and honor my CEASE AND DESIST
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, equifaax, or XXXX about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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 or reported inaccurately.

The law is noticeably 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 deleted 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

There has been a breach and security with credit monitoring etc. I have also been the XXXX  of identity theft since childhood up until this very moment. Seriously at this point in time I am considering legally changing my name and obtaining a new social security card due to a identity theft. 
This past summer I was pulled over by a XXXXXXXX XXXX XXXX XXXX  XXXX and my license revoked at the spot on the spot due to a ticket rather two different tickets that had been cited in my name a year previous unbeknownst to me. I have never felt so defeated in my entire life. I was able to get my license reinstated by proving it was not me the highway patrolman even went to the DMV and explain to the people what had happened however there are still three points on my driving record from that and my insurance rates are astronomical I am almost lost at this point with all the stuff that's on my credit that was not me. Your assistance in this matter would be greatly appreciated I would like a fresh start I swear to XXXX. I've been trying so hard in my life to improve my status and I just can't get there. I am a service connected XXXX XXXX  and my living conditions are horrific because my credit is XXXX. If I had a XXXX at least minimum score I could use my XXXX XXXX XXXX  and get a home but because from childhood my parents and relatives into adult life from siblings my ex-husband 's extra curricular girlfriends etc are using and abusing me. I just wish I had a fresh start so I could buy a home somewhere for me and my two dogs and lived the rest of my life but left of it I have in peace. Still at this moment my bank accounts are getting hacked every month I'm able to pay a few bills my rent and I have to live in overdraft after that because of financial fraud. I receive an XXXX check and an 80 % service connected XXXX  XXXX and I'm still living subpar because of being used and abused by identity theft. I had adopted a child when he was XXXX 3 years ago he started targeting my bank accounts he's a criminal nowadays and he is not allowed around me my two biological children are successful law abiding the citizens but the child that I adopted has about brought me to my knees recently with his little crew of hooligans I don't know specifics but I can tell you it doesn't feel good to be me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 I have tried reaching the business I wasn't able to get anyone I have reached out to the credit bureau the only thing they could tell me is that it will be removed in XXXX. My problem is I would like it removed now because I recently noticed it and have never applied for these merchants. There are no amounts due to these are inquiries but I have informed the credit bureau but they were unable to help.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Account : XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I XXXX XXXX PULLED MY CREDIT REPORT AFTER CHECKING MY MAILBOX ABOUT OTHER UNKNOWN STUFF THAT CAME IN FROM A PREVIOUS DAY AND NOTICE THAT CAPITAL ONE RAN MY CREDIT WITHOUT MY PERMISSION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHY ARE THESES GUYS RUNNING MY CREDIT REPORT SO OFTEN?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX Equifax, XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]