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

I sent A letter to this company ARS account resolution collection advising them The account they are claiming A XXXX balance on does not belong to me & was A result of FRAUD! Tjis account is showing under my maiden name XXXX XXXX and I have not had that last name since XXXX. I was A victim of identity theft and requested debt verification because this is A fraudulent account. I AM NOT REQUESTING A BILL but legal verification that this debt belongs to me XXXX XXXX & I am requesting ALL credit reporting be deleted since this company has failed to provide adequate proof this debt belongs to me. I would like to pursue litigation! This company has refused to remove this account from all consumer reporting agencies which was A RESULT OF ID THEFT after they where properly notified! I would like it noted that I would like all communications written as I will keep copies for litigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/year> pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXX/XX/XXXX States I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXStates : 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. 

XXXX XXXX. XXXXXX/XX/XXXX 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.
Product: Mortgage

In the process of purchasing a new home, I requested from the Mortgage  Lender the A ppraisal Report that I paid for. Th e Loan Specialist on mo re then  three occasio ns and over the recorded phone line stated it was against 'Federal Regulations '', to give me the report I ordered and paid for.   I found an article in the Was hington Post from  XX/XX/XXXX  th at stated a law was put into place to help / protect the consumer and I was entitled to the report. I forwarded the article on   XX/XX/XXXX  to the Lender  and on    XX/XX/XXXX  I was gi ven  that report.   I should n't have to battle with t he Loan Specialist to get what I am entitled too and the fact she kept insisting it was against federal guidelines was incorrect.      Consumers need to be aware of what they are entitled too especially if they are paying for the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 seven 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.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not authorized and should not be reporting.
Product: Debt collection

I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws
Product: Debt collection

XXXX - tried to call on 4 different times and it did not happen. 
Tried to call on another day last month in XXXX and the same thing. I did not get an answer or any information. Did not know about being able to dispute either.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are alleging I owe a debt that I do not. Neither credit bureau has sent me any evidence to support this claim and furthermore the note that is being used is the security that belongs to me. This debt has been canceled with the IRS and reported as income so therefore it can not be reported.
Product: Debt collection

On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the  balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.
Product: Mortgage

On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. 
On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX  XXXX Account # 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. 

XXXX5 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

I have never had any contact with the current parties requesting me to pay off a debt of XXXX XXXX The two companies are XXXX XXXX XXXX, and the debt collection agency is Hunter Warfield. Somebody got a hold of my social security perhaps and opened an account or loan/lease for an apartment at XXXX XXXX XXXX I have never physically and personally signed and paper work nor have I given any information about living at that specific location and I have never lived there at all. This debt does not correspond to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX/XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - XXXX XXXX, XXXX, and Equifax have 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 data is inaccurate.
Product: Mortgage

XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.
Product: Debt collection

On XX/XX/XXXX, I got an alert from XXXX XXXX on my phone about my credit score being affected by a high impact collection on my credit report. So I clicked on the notification, and see a collection in the amount of {$1000.00} to Southwest Credit Systems. At this point I'm upset, and what to know where this came from. I looked up the number to Southwest Credit, and proceeded to call and find out where it came from. The lady I spoke with told me it was from XXXX. By this time in beyond words, as I've had XXXX phone service for the last 3 years. As well as I was in Kentucky in a rehab program for all of 2023. My husband and I have been working on trying to build our credit, and get where we need to be financially to buy a house. Then I get this notification, and it has made me sick to my stomach. If you look at my credit report, you would see that I make my payments on time and not behind on anything. There is this one collection, and another for XXXX XXXX XXXX in the amount of {$140.00}. Which I'm disputing as well because I contacted them, and they told me that I couldn't even pay it off because the last name on the account isn't mine. Nor is it a last name I've ever had.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing a bankruptcy record that should be removed. I have disputed twice and they refuse to remove it. I explored a XXXX  XXXX bankruptcy in XXXX of 2021. When the court told me what the terms and conditions would be, I withdrew and did not go through with the bankruptcy. Their public records section states that I had a Bankruptcy-dismissed. It was dismissed because I withdrew. There was no bankruptcy. 

I disputed the record with XXXX XXXX, the company that reports Public Records including Bankruptcies to Experian. XXXX sided with me, removing the record from my XXXX XXXX files. I checked my files and indeed, XXXX did remove that bankruptcy record. 

On Experian 's own website, they have a section called " Understanding Your Experian Credit Report which states the following : Public Records Bankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers : XXXX  XXXX and XXXX XXXX. They are called " XXXX  '' because they are defined by XXXX  in the bankruptcy law. In a XXXX  XXXX bankruptcy, you do not repay any of the debt owed. Under XXXX  XXXX bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan. 

If your report contains public records, the XXXX XXXX section includes items from courts that Experian may have obtained through XXXX XXXX XXXX XXXX XXXX, a third-party vendor. You may contact them at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, or by visiting https : //experianconsumersXXXX.com. 

Since XXXX removed the record so they are no longer reporting it, all of the credit reporting agencies including Experian, should remove the record. I attached the resolution letter from XXXX that states that they removed the record. I have lost two potential credit opportunities, because of this inaccurate bankruptcy record, that they say will stay on my record for 7 years. This is totally unfair and unacceptable. 

Experian states on my credit report that this record is potentially negative. It is much more than " potentially negative ''. I did not have a bankruptcy but I am being penalized as if I went through with it. Filing and exploring should not be reported as a Bankruptcy if you withdraw. There is no mention of this fact in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to get a truck for my bizness on the XX/XX/XXXX and my credit score was reported as XX/XX/XXXX when it was XX/XX/XXXX
Product: Checking or savings account

I have a CHIME online banking account, which I have not had problems with until XX/XX/XXXX. On XX/XX/XXXX, I was at home working remotely when I started receiving notifications from the bank about five back to back ATM withdrawals totaling {$740.00}. This all occurred within 2-3 minutes. I have the card in my possession, however, I immediately changed my pin, called the bank then contacted my local police department. The bank closed my debit card and advised me they will open an investigation once the transactions clear. Today, on XX/XX/XXXX, m I received an email from the bank advising me that no error has occurred and therefor the investigation is now closed. After doing some research online, it seems there have been similar scenarios with CHIME, which include money being stolen through ATM withdrawals at XX/XX/XXXX locations. I would appreciate any assistance in getting my money back as this was a big chunk of my paycheck, which was meant for rent and bills. Considering this is also fraud and theft, I am at a loss for words on how the bank just brushed the issue off and closed the matter. Thank You in advance for your time. The way the bank handled this situation makes the whole situation look even worse.
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX - XXXX
Product: Debt collection

Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # : XXXX Phone : XXXX Fax : XXXX XX/XX/year> Written letter sent to my place of employment that included all of my personal information and debt/financial information. I have been in contact with this agency specifying under no circumstances am I to be contacted at my placed of work, and my information shared that is personal-private and it is inappropriate and violating-demoralizing. They have been contacted to only send mail to my personal certified address.