23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PNC BANK CONSUMER CREDIT BUREAU for committing identity theft. I have never given PNC BANK CONSUMER CREDIT BUREAU any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from PNC BANK CONSUMER CREDIT BUREAU before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PNC BANK CONSUMER CREDIT BUREAU can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PNC BANK CONSUMER CREDIT BUREAU can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PNC BANK CONSUMER CREDIT BUREAUcontinues its collection efforts, I will file for litigation for actual damages caused and PNC BANK CONSUMER CREDIT BUREAU will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).
Product: Debt collection

Approximately 7 years ago, I was the victim of an XXXX XXXX. My driver 's license, social security card, check books, debit cards, credit cards and many other items were stolen from me. Since then, I have had numerous problems and errors on my credit report. A multitude of accounts have shown up, some removed easily and some still lingering. I also learned that a lady named XXXX XXXX XXXX, that apparently has my same DOB has accounts on my credit report as well. She has a terrible driving record, criminal record and civil records that pull up when I am in question. This has been a series of unfortunate events and a HUGE headache, to say the least. XXXX XXXX XXXX does not and has never lived in Alabama. I have never lived outside of Alabama. However, when I attempt to get different coverage for my vehicles, I have a hard time due to her issues. There are collections accounts on my credit report that belong to her, as well as, apartment rentals in different states that she has defaulted on. I have contacted all 3 credit bureaus and placed freezes, locks and alerts on my report but something always pops up each year I check. Please help me correct this issue.
Product: Debt collection

XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Jefferson Capital Systems XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Acct #
Product: Credit card

Discover card again has negatively impacted my credit and credit report. The card was just opened the beginning of this month and when I spoke to customer service I was informed the balance would not be reported or reflected until the 10th of each month with my new due date of the 5th of each month. Now they have reported my card early and caused me to have a negative impact on my credit score partially to now showing over credit utilization. The fact that they purposely lied to me and reported a higher credit usage before Ive had a chance to pay the balance down is absurd and unethical. I will be escalating this matter further with investigation agencies and looking into legal representation for the continuing credit harassment and discrimination I am undergoing from the treatment and misinformation provided by discover card. This is the only card Ive had in my life that has caused such a nasty and negative impact on my credit in such a short time frame. What a lying XXXX deceptive company.
Product: Debt collection

Debt was discharged in bankruptcy. To include phone was sent to XXXX XXXX XXXX upon switching to XXXX. Im calling the XXXX XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX Utility breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of XXXX XXXX  requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX  website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. XXXX  of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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 is the initial letter sent to creditor ; This letter is a formal dispute under the **Fair Credit Reporting Act ( FCRA ) 1681i**, which requires credit reporting agencies and furnishers ( like Edfinancial ) to ensure that all information they report is **fair, accurate, and verifiable**.

# # # **Key Points of the Letter : ** 1. **Factual Dispute of Debt Information : ** - The sender ( XXXX XXXX XXXX is challenging the accuracy of the reported debt, including **payment history, balance, and account status**. 
- The letter requests proof that the information reported is **correct and consistent** with creditor records. 

2. **FCRA 1681i Protections : ** - Under this law, a consumer has the right to dispute **inaccurate, incomplete, or unverifiable** information on their credit report.

- The credit bureau or data furnisher ( Edfinancial ) must **investigate** the claim and respond within **30 days**.

3. **Verification Demands : ** - The letter requests **documentation proving the accuracy** of the debt.

- If Edfinancial can not verify the information, they must **correct or remove it** from the credit report.

- The sender also demands details on the **method of verification**, which holds the company accountable.

4. **Potential Legal Consequences : ** - If the company fails to provide verification or ignores the request, they could be in violation of the **FCRA**, which could lead to legal action.

# # # **Why This Letter is Important : ** It forces Edfinancial to **prove** that the reported information is accurate and fair. If they ** can not verify the debt properly**, the consumer has the right to have it **corrected or removed**, improving their credit report. 

Would you like help refining this letter further or understanding what steps to take next?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/items do not belong to me. Please delete immediately. 

Finger Hut- this account is not mine. Action Requested : Please Delete the entire account from my credit report.

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please delete the entire account from my credit report.

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX  XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2017. Please investigate to make absolutely sure there is no fraudulent activity on my credit report.
Product: Credit reporting or other personal consumer reports

This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ABSOLUTE RESOLUTIONS, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 15 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.
Product: Mortgage

On XX/XX/XXXX Planet Home Lending received my supplemental property taxes and informed me that they would pay the additional taxes due. There were XXXX separate tax bills with XXXX payments. First payment due XX/XX/XXXX and second payment due XX/XX/XXXX. They did an escrow analysis and raised my monthly mortgage payment by over {$400.00} each month for a 12 month period to pay the {$5200.00}. During a recent refinance it was discovered that Planet Home Lending never paid the taxes now they had to be paid during the refinance. I received penalty and fees to total {$300.00} which I shouldn't have to pay. They are not responding to me. My refinance will close in a few days and I SHOULD receive a refund of my escrow account which is approximately $ XXXX. My complaint is that they never communicated to me that the payment was not made, my payments remained increased, My XXXX taxes filed are now incorrect so I need to file an amended and I feel they were earning interest on the extra money I provided unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XX/XX/XXXX. So I contacted the bureaus and they stated the charge of was I XX/XX/XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.
Product: Debt collection

XXXX XXXX / XXXX / {$810.00} 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Product: Debt collection

Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XX/XX/2024 XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian on XXXX different occasions to verify my XXXX XXXX XXXX as being accurate. There are multiple months that are being reported inaccurate across the XXXX credit reporting bureaus. XXXX could not verify the information within the first 30 days and subsequently deleted the Student Loans from their Report. XXXX couldn't verify the information within the first 30 days and subsequently updated the records to ALL MONTHS ON TIME. Experian after XXXX plus days continue to respond through their website correspondence with me after XXXX days " verification '' process that the reporting agency has verified information as being accurate? How is this possible that EXPERIAN is always the only Credit Bureau that MIRACULOUSLY pulls out of their magic hat a verification from every creditor that information is verified???!!!! I find that EXPERIAN falsifies their methods of verification due to being lazy as well as just lying to consumers! This has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed this account XXXX has inaccurate information, the opened date and credit limit are wrong. Since this account is being reported inaccurate, please remove it from my credit report.