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

XXXX XXXX XXXX is still reporting on my credit report even after 30 days that I have request validation. On XX/XX/2019, I have sent them another request for validation. I have not received anything from them with 30 days. On XX/XX/2109 I have sen them a nonresponse letter. 

So Their President XXXX XXXX Sent me a letter stating that " We are no longer bound to respond to your demands for validation Since has been met by us. Our debt Validation of debt meets the standards imposed upon us by the Fair Debt Collection Practices Act ( FDCPA ) ''. 

I also have the right to request for Validation Under The Fair Debt Collection Practices Act ( FDCPA ). They have not provided me what I have asked for and they're in violation for not responding within the 30 days I ask for validation. I have sent them with I have is Certified Mail Receipts. 

XXXX XXXX also stated that " Your letter dated XX/XX/2019, has been received and forwarded to me to my office for review and response ''. He also mentions the first request of validation I have requested but not the second on XX/XX/2019. All they sent me was an invoice. No XXXX release form, No contract that I have to pay them. Nothing with my signature. So I have sent them another letter requesting validation. I also sent them letter that stated " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation ... '' I have made a complaint they have not responded within the 30 days before to the and this is what they stated : " ... He wrote us again on XX/XX/2019, and demanded that we mail him a whole bunch of other things, none of which we are required by debt collection laws to comply with. Then he wrote another letter dated XX/XX/2019, demanding again that we mail a validation of debt ... '' They are lying. I have not written them a letter on XX/XX/2019 demanding validation. I am requesting for validation and I have done so on XX/XX/2019 and for XX/XX/2019 was to 30 days nonresponse letter. 

The whole bunch of other things I ask for was the same for the first validation I sent them. 

Here is what I have asked for Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To provide proof I have sent an attachment to show along with the Certified Mail Receipts. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for this credit card in particular. I've only applied for ones through my XXXX  account, based on my credit score and this MILESTONE MASTERCARD was never listed. The account is now open on my credit report and I want them to close it. I missed the 30days to close deadline, per my email from XX/XX/23.
Product: Mortgage

I purchased a home and it was turned over to Wells Fargo as the servicer.XX/XX/2006. I made my payments on time and know that I have a lot of equity in my home. My income has changed and I have been trying to get a modification from Wells Fargo and they refuse to give me one for all kinds of bogus reasons. Now Wells Fargo is trying to foreclose on my home. It is a XXXX account. I really need help with this matter.
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. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 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, 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. 

The following have violated my rights ; XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX aacount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX account # XXXX XXXX, XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX5 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX 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 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: Credit reporting or other personal consumer reports

I recently opened a dispute with the credit companies that the information on my credit is incorrect, and I never used XXXX and it shouldn't be there.
Product: Mortgage

I work with XXXX on behalf of the seller to help facilitate their short sale. I have uploaded and submitted all the documents needed for this short sale months ago and the investor/Chase is holding this file without any viable update on this file. It has gone from negotiator to negotiator and nobody has any answers. They are stalling the resolution on this file for no good reason.
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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I am disputing this bill from a collection agency. I mailed the collection agency this dispute 6 months ago but of course had no response. I was told this debt was bought from the doctors office so I could no longer dispute it. My daughter visited the ER XXXX XXXX 2011. The ER doctor who never touched my daughters XXXX XXXX just ordered a XXXX and XXXX consult. I paid ER doctors bill for visit and ER charges but he had a separate procedure code for resetting her XXXX XXXX. I refused to pay this because I paid the orthopedic doctors bill for the same procedure and like I said the XXXX XXXX never touched her arm. I disputed this in writing to the physician 's office but never heard back. This was a gross example of fraudulent billing. I was billed for a procedure that was never performed by the doctor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : CXXXX 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 {$1900.00} Dispute letters were sent to credit bureaus XXXX XXXX  XXXX, XXXX ) on XX/XX/2023 through XXXX certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.
Product: Credit reporting

To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Debt collection

The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXXne # 5178XXXX, 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: Money transfer, virtual currency, or money service

I requested that my Credit union attempt to recover funds I wired to XXXX per the situation summarized next. They said they could not help me. I wired {$85000.00} between XXXX and XXXX to the " Escrow '' account. After eight wires, they said they would not wire any more funds for me, but they would not tell me why. I asked my credit union if this was a scam and I also reached out to the wire company and asked them if I was subject to a scam and they said they could not tell me anything except that they would not wire any more funds for me. I found the Escrow company listed on the North Carolina government page under businesses and it even listed the person at the company with whom I was working - XXXX XXXX XXXX XXXX, XXXX XXXX, so I thought this transaction was legitimate. I proceeded to send another {$80000.00} through my bank. This was my life savings and it is now gone. This was the biggest mistake of my life and I can not believe how easy it was to have so much money stolen. I signed up to sell a timeshare and make a decent profit as I had selling my house, but wound up in dept, ashamed, and broken. These people must be stopped. 

SCAM : I was called by a XXXX rep in XXXX and asked if I wanted to sell my timeshare at the XXXXXXXX XXXX in XXXX. I said maybe. I was sent a letter of intent to purchase and I checked the North Carolina Gov website to see if this business was listed and it was. I signed and returned the agreement. XXXX XXXX with XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX, phone XXXX, email XXXX emailed me information about the opened escrow account. I was told I would need to wire funds on different occasions, but that I would be reimbursed. I checked the North Carolina Gov website to see if XXXX XXXX was listed and it was and even indicated XXXX XXXX as the owner. I proceeded to wire and then bank transfer funds as requested, but at one point asked for some type of guarantee that his was not a scam and that I would be paid. XXXX XXXX XXXX CEO XXXX XXXX  called me and sent me a notarized affidavit guaranteeing that I would be paid. The last time I talked with XXXX and XXXX on the phone they told me the funds should be in my account within 48 hours. That was now over a week ago and my repeated phone calls, voice mail messages and email have gone unanswered.
Product: Credit reporting or other personal consumer reports

Issue : Previously removed collection account was reinserted without notification Company Name : Equifax I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account onto my credit report without following the proper legal procedures.

I disputed a collection account on my Equifax credit report, and after an investigation, Equifax removed the account. However, I recently checked my credit report and discovered that the same deleted collection account has been reinserted without any prior notification, violating my rights under federal law.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA Reappearance of Previously Deleted Information ), a credit bureau CAN NOT reinsert a previously deleted account unless : The furnisher of the information certifies that the information is accurate and complete.

The consumer ( me ) is notified in writing within five business days of the reinsertion.

Equifax has violated both of these requirements : I did NOT receive any written notification from Equifax informing me that the collection account was being reinserted.

I have not received any certification of accuracy from the original furnisher of the debt.

This means Equifax has reinserted inaccurate or unverified information without following the proper FCRA procedures.

3. Equifaxs Failure to Maintain Accurate Information ( FCRA Violation ) Under 15 U.S.C. 1681e ( b ) ( FCRA Requirement to Maintain Accuracy ), Equifax is legally required to ensure that all information on my credit report is accurate and complete.

Because Equifax previously determined that this collection account should be removed, its reappearance is a violation of my consumer rights. The fact that the account was removed and then reinserted without proper verification demonstrates that Equifax is failing to maintain the accuracy of my credit file.

4. Equifaxs Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Requirement to Conduct a Reasonable Investigation ), Equifax is required to properly investigate disputes.

By removing the collection account and then re-reporting it without informing me or verifying its accuracy, Equifax has demonstrated : Failure to conduct a reasonable investigation.

Failure to verify the accuracy of reinserted information.

5. Legal Violations by Equifax 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify the consumer of reinserted information within five business days.

15 U.S.C. 1681e ( b ) Failure to maintain accurate credit report information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper investigation.