23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/ XXXX XXXX XXXX XXXX sold an alleged delinquent debt to XXXXXXXX XXXX, who then referred it to XXXX XXXX XXXX. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/, including specific requests for the cardmember agreement and proof of debt reassignment, XXXX XXXX XXXX failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, XXXX XXXX continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by Stillman Law Office making a new collection attempt in XX/XX/XXXX XXXXXXXX All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : XXXX XXXX XXXX repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against XXXX XXXX, XXXX XXXX XXXX, Stillman Law Office, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.
Product: Student loan

On XX/XX/year> Aidvantage processed my application to consolidate the following XXXX loans : XXXX XXXX XXXX XXXX XXXX XXXX4900.00} XXXX Direct Loan Unsubsidized : {$5400.00} XXXX Direct Loan Unsubsidized : {$20000.00} XXXX Direct Loan Unsubsidized : {$21000.00} XXXX Direct Loan Unsubsidized : {$19000.00} XXXX Direct Loan Unsubsidized : {$10000.00} The following then occurred : XX/XX/year> : I received a notice from Aidvantage that Loans XXXX and XXXX were approved for consolidation. I received a separate notice on the same date that Loans XXXX through XXXX were listed as in school status and could not be included in the consolidation. 

XX/XX/year> : Payment received added to my XXXX account for {$10000.00} paying XXXX XXXX and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$10000.00}, creating XXXX XXXX XXXX XXXX XXXX for {$10000.00}. 

XX/XX/year> : I submitted an application to XXXX to consolidate and ADD Loans XXXX through XXXX to existing Loan XXXX DL Consolidated Unsubsidized. 

XX/XX/year> : My application request was approved and I received notification from Aidvantage that Loans XXXX through XXXX were ADDED to existing Loan XXXX Consolidated Unsubsidized. 
XX/XX/year> : Payment received added to my XXXX account for {$72000.00} paying XXXX XXXX, XXXX, XXXX, and XXXX in full by consolidation. 

XX/XX/year> : Disbursement added to my XXXX account for {$72000.00}. THIS IS WHERE THE ERROR TAKES PLACE. 

The amount of {$72000.00} was NOT added to XXXX XXXX XXXX XXXX XXXX as they were instructed. Instead, the balance XXXX XXXX was modified in error from {$0.00} to {$72000.00}. This amount reflects the total amount of Loans XXXX through XXXX. This amount needs to be REMOVED from XXXX XXXX and ADDED to XXXX XXXX XXXX XXXX. 

Further, the interest rate of XXXX XXXX is currently listed at 7.050 %. That is not the correct interest rate to apply to the consolidation amount of {$72000.00}. Loans XXXX through XXXX interest rates ranged from 4.3 % to 7.05 % and need to be properly weighted and averaged. Once XXXX XXXX is brought back to a {$0.00} balance, all excess accrued interest in error will need to be removed. 

I have spoken to multiple customer service representatives at XXXX. The responses have varied from shifting blame to the University XXXX XXXX, XXXX, and the Department of Education. I have confirmed with all three entities that XXXX bears the full liability for the errors and has the sole authority and responsibility to correct the errors.
Product: Payday loan, title loan, or personal loan

Full documents related to the loan have not been disclosed. LightStream attempts to penalize consumers based on policies that do not have full legal documentation.

I reached out to the LightStream on three different occasions to adjust my auto-payment date from the XXXX to XXXX. In order to make this change, LightStream would increase the interest rate of the loan by 50 basis points. I pulled the loan agreement and it specifies the following : " If you fail to pay or maintain payments via the Automated Payment Option, you agree that the failure will immediately result in a permanent XXXX percentage point increase in the annual interest rate in effect on your loan. " My request was not to cancel the Auto Pay option but maintain an AutoPay option with a different date. 

The loan agreement also includes the following language : " Payments ( comprised of principal and interest ) ( 1 ) will be payable monthly, in an amount of {$250.00}, and ( 2 ) will be due on the same day each month ( the " Payment Date '' ), such day being the one you designate upon electronically signing this Agreement. '' A payment date is not designated in the agreement. Additional documents on the online portal only include a credit score disclosure. I requested documentation of this designation and LightStream was only able to provide a generated email which states that my payment will be on the XXXX. No documentation of the designated payment date was able to be provided.
Product: Checking or savings account

This is not the first time that I made the complaint with Wells Fargo Bank. I have some unauthorized transactions which I made the disputed, and the bank denied all my requests and also closed my bank account. Firstly I didnt check my bank account so often, when I realized my bank account had too many unauthorized transactions which was charge from different merchants. After reviewing my bank account, I called Wells Fargo Bank Claim Center to make the dispute report directly. I got some provisional credit and they took them back because they said after investigation, the transactions were made by me. And because of my disputes, it has high risk and they closed my bank account. All the unauthorized transactions I have to report, I have to get my money back!
Product: Credit reporting or other personal consumer reports

On the below dates I did not authorize or give permission to no one to run my credit nor did I have any knowledge of these events 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: Credit reporting or other personal consumer reports

This Company ( US Department of EDUCATION ) is past the statue of limitation reporting. 

The first date of default is XX/XX/XXXX which is 7 years from today. 

The account was opened in XXXX which is 10 years from today. 

This account is past statue of limitations and need to be removed from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to it's provisions will result in legal action.
Product: Credit reporting or other personal consumer reports

Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me XXXX XXXX XXXX, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : 1. Account Number : # XXXX 2. Account Number : # XXXX ( XXXX XXXX  ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX  and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Dear Sir/Madam, Without my concerned, Since XX/XX/XXXX, The Experian credit report taking money from my account until XX/XX/XXXX. 

Started On XX/XX/XXXX = {$1.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00} and XX/XX/XXXX = {$23.00} Total= {$270.00} Last XX/XX/XXXX, I first time when I checked my statement, I found out EXPERIAN CREDIT REPORT XXXX XXXX XXXX *CA was collecting money every month from my account.I never authorized and I never use them for anything.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my XXXX and Experian credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 

The following discrepancies were noted : 1. Last Payment Date : XXXX reports the last payment date as XX/XX/2020. 
Experian reports the last payment date as XX/XX/2020. 
XXXX. Monthly Payment Information : XXXX shows the monthly payment as XXXX. 
Experian shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : XXXX lists the account as an Installment loan.

Experian lists the account as an Auto Loan. 

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both XXXX and Experian are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, XXXX and Experian have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and Experian to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me an alert saying one of my accounts was reported late. When I finished reading all my alerts and went back to read it again they were gone. I DID NOT DELETE ANY ALERTS BUT THEY DID WITHOUT MY PERMISSION. 

I HAVE NO LATE ACCOUNTS SINCE XXXX 

I tried to call them at the number given on their website but no-one answered the phone. This is the phone number I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The issue is the mortgage company has refused to remove PMI from the loan even though the mortgage balance is below 78 % XXXX as compared to the value when the loan was first obtained.
Product: Credit reporting

I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!
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 {$11000.00}, {$9100.00}, {$9700.00}, {$1800.00}, {$1800.00}, {$6100.00}, {$5100.00}, {$22000.00}, {$53000.00}, {$35000.00}, {$7400.00}, {$7800.00}, {$38000.00}, {$41000.00}, {$21000.00}, {$33000.00}, {$38000.00}, {$19000.00}. 
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 ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$6100.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$5100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$22000.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$53000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7400.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7800.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

14. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$41000.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$21000.00} -This is not my account. 

16. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$33000.00} -This is not my account. 

17. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

18. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$19000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ) XXXX
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 has violated my rights. 

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

I told Transunion to investigate these accounts & to delete 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. They even stated they UPDATED the accounts According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. They supposed to report at 100 % accuracy, updating my credit reports shows they havent. They also was supposed to respond in 30 days & it was longer. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : PXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX