23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is not a duplicate report and this submission is not filed by 3rd party. The name on this submission is the individual filing this report. After obtaining a fresh copy of my credit report I noticed that there are some Hard Inquiries that I have no knowledge of nor did I authorize these Hard Inquiries to be furnished on my consumer report. The Hard Inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please remove and delete the above Hard Inquiries from my consumer report. I also filed an identity theft report and will be attaching it to this submission.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : Please remove these hard inquiries from my consumer report. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 

I expect this letter to be taken seriously and I demand this fraudulent account be removed from my report as I have provided you with the required pieces of information. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.
Product: Debt collection

I paid a medical debt online to the California XXXX XXXX and a confirmation email receipt was received. Neither the collection company nor the original debtor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) would honor the receipt, despite proof of payment. The debt company representative called me and he threatened to " destroy '' me and ruin my credit and said " You 'd better give me your information and pay or else I will destroy you! '' He continued to harass and me and frightened me. I was concerned for my safety. Of course I did not want to give him any additional personal information. I was shocked by the call. I contacted XXXX XXXX ( hospital ) and told them what happened and they said they would not allow California XXXX XXXX to contact me anymore and they asked for the email showing proof of payment. I provided the email with proof of payment many months ago and I am now again receiving collections letters from California XXXX XXXX demanding payment with interest. I do not want to contact them again to try and resolve because I am afraid of continued harassment and that they will seek to destroy my credit, and for a debt I paid. I 'm also concerned XXXX XXXX is not working productively with their contractors and are hiring unprofessional contractors who harass and threaten people to collect debt, and then XXXX wo n't accept their financial payment verification and are now asking for XXXX payment.
Product: Payday loan, title loan, or personal loan

( 1 ) GoodLeap provided a loan to purchase a photovoltaic solar panel system attached to a house I recently purchased, and I assumed the GoodLeap loan as part of the purchase.

( 2 ) GoodLeap has not generated any billing statement for my account since approving my loan assumption. Further, the company does not provide an account history or balance on its website.

( 3 ) I have sent two months ' worth of payments based on my understanding of the loan terms, while waiting for GoodLeap 's records to catch up, and my account should be in good standing.

( 4 ) GoodLeap has repeatedly sent me threatening messages stating that my account is past due, and threatening to report this account delinquent to credit bureaus.

( 5 ) Over about six weeks, my repeated attempts to contact GoodLeap and resolve this matter have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports
Product: Credit reporting or other personal consumer reports

Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX Resolutions XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
Absolute Resolution failed to notify me that the debt was brought and allow me time to dispute. Absolute Resolution Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from XXXXXXXX XXXX XXXX  XXXX XXXX with an amount of {$2300.00}. 

XXXX XXXX, Absolute Resolutions and XXXX XXXX are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days XXXX is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving XXXX XXXXXXXX authorization to contact me via email.
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I've been haggled by XXXX XXXX for debt I do not owe. I demand an invoice for such debt multiple times, which they can not provide. 

XXXX initially outsourced by debt collection effort to XXXX XXXX ( XXXX XXXX Reference Number : XXXX ), which I filed CFPB complaint ( XXXX ). Please see complaint for what happened in details. 

On XX/XX/year>, CreditControl ( Reference # : XXXX ) reached me for what it seems the duplicate debt collection. The below is their contact. 

I demand XXXX to discharge false debt collection claim immediately. 

Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX Account # XXXX ( XXXX has different account # ) Account name : XXXX Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX  Account # XXXX ( XXXX has removed on XX/XX/2022 due to inaccuracies ) Account name : XXXX ( XXXX has it as XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  XXXX XXXX  Account # XXXX ( XXXX has removed on XX/XX/2022 Due to inaccuracies ) Also the credit bureau took 60 days to complete my investigation by FCRA says they only get 30 anyways and went way past that as well, next I will seek to file a claim with my attorney general and the XXXX  if these accounts are not removed or paid for per violation! here is my complaint ID # XXXX opened on XX/XX/2022 I tried to file another claim with proof of inaccurate information which can be found on claim # XXXX
Product: Mortgage

During XX/XX/2022 I advised my mortgage company that I was unable to make payments since I was terminated  from my employer and was advised I could have deferred payments for up to 12 months and was good to go. By XXXX Freedom Mortgage company purchased my mortgage from the previous provider and began to send me foreclosure statements. By XXXX the company had sent over a specialist to do an in-home foreclosure notice and the individual left my front door taped with a sign to deliver information to me. I was charged a foreclosure fee and inspection fee for this. I was then sent a foreclosure process letter. I reached out to the new mortgage company and was advised that they would be able to place me on hold only for them to remove the hold and charge another foreclosure fee once the Sc mortgage assistance program reached out to provide support in this matter. I have attempted to reach out to them several times and have been given the runaround. I believe that they are stealing government assistance and placing it on their books as expenses. As of today I have reached out to Freedom Mortgage and requested that the fees be returned and the payments are applied to my mortgage. I also have requested to speak with the CEO and have not gotten a response and it has been over 30 days. I reaching out in response to the RESPA act to inform you of possible fraud by said Mortgage company and to have assistance in having these fees overturned and placed on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

XXXX XXXX XXXX XXXX  ( XXXX  ) forced XXXX  to Resign prior to taking certain classes. XXXX then proceeded to demand payment for those courses they restricted XXXX from taking. 
XXXX  entered into an Enrollment Agreement ( Exhibit A ) to pursue training in XXXX XXXX  XXXX at the ( XXXX ). XXXX  's courses were to be taken at the XXXX  Branch Campus in NJ. The Enrollment Agreement is signed by XXXX XX/XX/XXXX and is attached as Exhibit A. 
XXXX 's first course ( XXXX XXXX  XXXX ), he was given a failing grade because of his final exam grade of XXXX. His overall grade for the course was XXXX. 
On XX/XX/XXXX, XXXX was place on academic probation ( Exhibit B ). He was told that he must score a passing grade of XXXX on all subsequent courses. 
XXXX  's next course ( XXXX  ) he did receive a Final Exam grade of XXXX and an overall grade of XXXX ( Exhibit C ). 
On XX/XX/XXXX XXXX  was pulled out of his third course and forced to resign despite satisfying the requirements of the academic probation ( Exhibit D ). It should be noted that up to that date, XXXX  had a perfect attendance record and had overall scores of no less than XXXX On XX/XX/XXXX XXXX  received a collection notice alleging a balance outstanding of {$4500.00} ( Exhibit D ). This amount represents those course ( s ) those courses that he was not allowed to take. They were NOT the courses that he took and allegedly failed. Those courses that he completed were paid for by grants and loans ; those loans XXXX will be paying XXXX XXXX directly ( and possibly other loan sources ). According to their own paperwork, this will be {$6000.00}. 
XXXX  is not denying the obligation to pay back the {$6000.00} to creditors for the courses he did take. 
XXXX wants to collect on courses they prevented XXXX from taking. The {$4500.00} XXXX   alleges is owed is denied and constitutes an attempt at Unjust Enrichment by XXXX.
Product: Credit card or prepaid card

Limit was lowered from {$4300.00} to {$100.00} on my XXXX XXXX XXXX XXXX credit card, serviced through XXXX XXXX. I checked all the credit bureaus and have had no nee changes or negative impacts. I have had account 12 years and never an issue. They have hurt my credit severely. I have talked to 6 people over two weeks amd they have made no correction.
Product: Mortgage

The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay.

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.
Product: Money transfer, virtual currency, or money service

I received {$4500.00} from my boyfriends daughter in law. It is a down payment on a car he is selling her. She put the money in on XXXX  XX/XX/XXXX. When I went to get the money it said I had to wait a few days to avoid a fee. I waited, however every day that I went to get the money transferred to my account it said I needed to wait. On the XXXX day, XX/XX/XXXX, I contacted support. I was charged a {$75.00} transfer fee. Their app is intentionally misleading and not clear at all. They prey upon people who may not be financial savvy.
Product: Debt collection

On XX/XX/2022 I submitted a complaint to XXXX XXXX XXXX BMO Harris was harassing my dad with phone calls due to my debt. I had to tried to call in to resolve the issue and the phone reps were no help. I requested them to stop calling my dad over the phone. I worked with a representative to make payments on my card which did leave my account although BMO Harris didnt modify my credit report to show that. When my payments bounced I was unable to pay and now they keep calling my dad again. This is unacceptable harassment of my family and needs to stop
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX i made a deposit in my dave banking app from XXXX of {$3400.00} only for it to get rejected because funds were over {$1000.00}, but account did not show funds were received or rejected until XX/XX/XXXX. The {$3400.00} was place on a hold from the bank and when i contacted to them to release the funds they had no idea where it was, they had contact XXXX  they lied to me and said on after 5 business days it would be returned which didnt happen, they took the situation to corporate just to tell me they had their executives handle it only and told me to wait on a update. On XX/XX/XXXX they terminated my account and now i have no way to contact the company or know where my {$3400.00} is or when it will be returned.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Late Payments from XXXX XXXX XXXX  Account Dear Credit Reporting Agencies, I am writing to formally request the removal of three late payments reported on my XXXX XXXX XXXX  account from my credit report. These late payments are currently listed on my Experian, XXXX, and XXXX reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my XXXX XXXX XXXX account and request their removal from my credit report. 

If these late payments can not be verified as accurate and complete within 30 days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within 30 days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy. 

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your response.