23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

COLLECTING ON A PAID DEBT. I DON'T OWE THEM A DEBT. THE DEBT IN QUESTION WAS " PAID '' IN FULL AT THE DOCTOR 'S OFFICE AND SHOULD NOT HAVE ANY COLLECTIONS. North American Credit Services mailed a letter about a debt for {$940.00} from a physical therapy office to which my bill at the office was actually {$470.00}. They would not validate the debt by giving ALL the information I asked for but only providing what little info the federal regulations requires of them. Therefore, FOR ME, it was not enough to determine legitimacy on a debt they claim I owe that I don't actually owe. They also have yet to address the " I DON'T OWE THIS DEBT ''. On XX/XX/year> I asked for no further contact in any method of contact. On XX/XX/year> I received another letter. I also do not owe this debt as it is a paid off charge at my doctor 's office. I do not have an account to take care of WITH THEM. They were informed I don't owe this debt. My {$470.00} bill was paid in full at my doctor 's office. NACS are aware of this but are still trying to collect the " debt '' that does not exist. That is my complaint. They are aware that I have no debt and no legal or moral obligation to pay them any money on a paid bill. Why are they collecting on a paid bill?
Product: Mortgage

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report, which I believe violates the provisions outlined under 15 U.S. Code 1681e, which requires that information reported be accurate and complete. Account : XXXX XXXX XXXX XXXX XXXX, Account No. XXXX, Address, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the credit bureas failed to provide supporting documents of the payment history and recent details on the account. I will take legal account that you have jeopardize my credit worth. If you can not verify the information I requested that you update this account to reflect positive standing or remove this account within the mandatory 30 days
Product: Mortgage

XXXX As the listing agent, I received a conditional pre approval letter from Umpquah Bank. 30 days later - 4 days prior to closing - the loan was denied due to insufficient income! The lender at Umpquah said that the buyer 's financial documentation was not provided until 21 days after mutual acceptance of contract. At that point the lender discovered they could not qualify. I asked why we received a conditional loan approval and he said he always does that even if they are not pre-approved. I called his supervisor in XXXX, Oregon. To my dismay, she confirmed that is a common practice. Umpquah will provide a pre approval letter even if they know the buyer is not pre-approved. She went on to say it is my fault for not asking the right questions and just taking it for granted the pre approval was actually a pre approval. She said they do n't want to lose a buyer to another lender if they do n't provide a pre approval letter. I told her I think she is doing something against what the guidelines of the CFPB by providing a pre approval letter with zero income documentation. She said she is not doing anything wrong. The seller had a bidding war and chose this buyer based on pre-approval and other terms. If the buyer was not pre-approved, we would not have chosen this buyer. We lost time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem having with XXXX, Equifax and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX XXXXXXXX XXXX Account : XXXX and XXXX XXXX XXXX  XXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Product: Mortgage

In 2006, Wells Fargo engaged in applying late fees on top of unpaid late fees for my bi-weekly mortgage. This is known as pyramiding late fees. This was caused when they transferred my loan to a new service and stopped my account payments. This forced me to call and make ach payments by phone call every 2 weeks for about three months. The total of these late fees amounted to just over {$1000.00}. To this day, they insist on no wrongdoing even though they were successfully sued for this very same practice. Wells Fargo Home office refuses to fully investigate my claims and provide proof that my claim is false.
Product: Debt collection

This credit card I had was when Covid hit and there was no jobs and my job let people go and credit card company didnt care or gave me time and I called them they was not friendly
Product: Checking or savings account

I noticed I hadnt received my package after it was said to be delivered I called the customer service at Capital One to dispute the charge because the company refused to help stating sales are final. Capital One provided a provisional credit until the investigation had been completed. Upon completion of the investigation the bank ruled against me & my account was overdrafted over XXXX dollars. I am now attempting to open an account with a credit union years later but this prior transaction is impeding the process. I called Capital One to retrieve information on said dispute. Upon receiving the information on the investigation, there is nothing that proves I have received the package & the investigation says that the package was left in a mailroom of an apartment complex I was living in at the time in XXXX XXXX. The apartment complex has over XXXX units but only shared XXXX mailroom. Now Capital One is insisting that I received the package & is refusing to reverse the issue even though I never physically received the package.
Product: Credit reporting or other personal consumer reports

Finally, please note that although the account was sold to a third-party servicer, we are not affiliated with them nor their practices ; we also do not engage in abusive collection practices. We are also not affiliated with Huffman and Vance, the party mentioned in your complaint filed with the XXXX XXXX XXXX As you have no further financial obligation to XXXX XXXX, XXXX, and we deleted the tradeline associated with your account and as this is all we can do we deem this matter closed. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

During a hard time in my life when I was unemployed I got caught up in the payday loan scheme to stay a float. I came across XXXX in XXXX, over the next year I was paying back the {$300.00} loan every week as promised. Then they push me in a large loan with longer payback period. At first this was okay, but then the interest began to accoumlated never allowing me to pay off the loan in full. Mind you in reviewing my history with them I had several short term loans all of which where paid on time and quickly, but with this longer term loan it became difficult. I tried on several occasions over the course of three years to pay it and/or make payment arrangements to settle without any results. They would began debiting my checking account so much to the point my checking account ranked up numerous NSF or over draft payment fees of {$30.00} a pop. This caused my checking account to reach as much as {$900.00} in fees causing my bank to close the account and report me to check systems. I tried to reach out since XXXX to lendup via online customer support their only direct means of communication with results. In the last three years I maybe spoken to an actual live rep 4 times and each time I was told that I had to pay the debt in full and they could reduce, settle or change payment terms. Every attempt to raise the principle amount of {$1000.00} in full was impossible. In fact this past year I attempt to pay the balance with proceeds from tax return and twice payment was reject from their system making it difficult to payoff this debt. I finally was able to speak to a live rep after several emails and was told that they would could take a payment over the phone, but that I need to have prepaid debit card, no credit cards or checking account payment. I borrowed the money and loaded it on a prepaid debit card and attempted to pay online again without success. Once again I reached out several times, the last time being on or about XX/XX/XXXX and go a rep on the phone to take a payment, but their system rejected it because they wanted need the entire balance plus interest. Fast forward, this issue has caused major damage to my credit file and fico as they continue to report current ( 120 days ) late on a four year old debt. At this point since have attempted to settle with this online lender over the course of four years without success and they have continue incorrectly report this debt current ( 120 days ) late, and that this loan is clearly and example of illegal prey of consumers for payday loans they can't afford. I humbly request this debt and line item of current, ( 120 days ) late and delinquency reporting be permanently removed from credit file.
Product: Debt collection

RESURGENT CAPITAL SERVICE D/B/A/ LVNV FUNDLING LLC XXXX XXXX  XXXX XXXX, MI XXXX I HAVE NOTIFIED THIS COMPANY FOUR TIMES CONCERNING TWO COLLECTION ACCOUNTS ON MY CREDIT REPORT. THEY HAVE FAILED TO COMPLY WITH THE FAIR DEBT COLLECTION PRACTICES ACT AND THE FCRA. 

I HAVE ADVISED THEM IN WRITTING VIA CERTIFIED MAIL CONCERNING THEIR VIOLATIONS AND THEY STILL REFUSE TO REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT FILE. 

I HAVE THE CERTIFIED MAIL RECIEPTS AND COPIES OF THE LETTERS I SENT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I WANT THESE TWO FALSE AND INACCURATE ACCOUNTS REMOVED FROM MY CREDIT FILE WITH ALL THREE MAJOR CREDIT REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent inaccuracies and fraudulent entries on my Experian credit report. Despite my repeated efforts to address these issues directly with Experian, they remain unresolved, and I am deeply concerned about the negative impact on my credit profile. 

Fraudulent Addresses : Experian has repeatedly added addresses to my credit profile that do not belong to me. These include a XXXX XXXX XXXX an address in Virginia, neither of which I have ever owned, used, or been associated with. I demand that these erroneous addresses be removed from my credit report immediately. Retaining incorrect addresses that are tied to debts not belonging to me is fraudulent and unacceptable. 

Outdated Credit Scores : Within the Experian platform, my other two credit scores have not been updated for nearly two years. This lack of accurate updates severely hampers my ability to understand and manage my financial health. I request that all credit scores on the Experian platform be updated to reflect the most current and accurate information. 

Disputed Accounts in Collections : I have disputed several accounts in collections that do not belong to me, yet Experian has claimed these accounts were verified without conducting a thorough investigation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Proper verification requires a reasonable investigation, and based on the information I have received, this standard has not been met. I request immediate removal of these accounts from my credit report. 

These ongoing issues constitute negligent and potentially illegal practices by Experian. Failing to correct inaccurate information after disputes is a violation of federal law and severely damages consumers like me. I urge Experian to : Remove the fraudulent addresses and ensure no further incorrect addresses are added to my profile. 

Update my other two credit scores within the Experian platform promptly. 

Remove the disputed accounts that were not properly verified through a legitimate investigation. 

Please treat this letter as a formal complaint and take immediate action to address the inaccuracies in my credit report. If these issues are not resolved promptly, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies. 

I expect written confirmation that these corrections have been made within 30 days of receipt of this letter. Thank you for your prompt attention to this urgent matter.
Product: Student loan

Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. XXXX filed for bankruptcy XXXX  XXXX paid the loan, have receipts from the trustee payments went out to fedloan servicing in XXXX PA. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made but they still show as not being paid in my account and my sons account? 

I have all the paperwork. I need assistance. Im now retired XXXX with minimum income coming in. 

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

I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX  ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
Product: Debt collection

This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.
Product: Debt collection

In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus XXXX, Equifax and XXXX to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all XXXX bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My family just recently lost my grandmother and its taken a toll on my family, my brother and I were in hopes of adopting a dog for her. We were working with this adoption group on XXXX, they helped us find a puppy and were walking us through the process. Puppy would be transported to us, and we sent the first half of money which was {$450.00} then after getting a confirmation email, we sent the second half, {$400.00}. This was the agreement we agreed on as we were trying to make sure it wasnt a scam. It turned out to be that the transportation website they used for confirmation email is fake, but I had not figured this out until after everything went down. When I went to follow up on puppy aftercare instructions after we got confirmation email as we waited for puppies arrival, they blocked me on XXXX so that I could no longer contact them. This was the moment I found out this was a scam. 

I had messaged other previous buyers prior to sending over payment and they all had amazing reviews on the admin. Once I realized I was scammed, these multiple accounts had me blocked as well. Assuming they were all ran by the same person, they mustve been logging into these accounts and acting as other people. 
Once I found out and accepted I had been scammed, I did my research, come to find out multiple individuals have been scammed by the same XXXX. They lost a bunch of money as well, and they are trying their hardest to make everyone aware of this scam XXXX by posting all over social media. This upsets me as we should all be getting the help. 

This is really upsetting for me because my brother and I were just trying to do something nice for our mother. I do not work a full time job, as I am only a part time barista making coffee. This was money coming out of my own pocket and unfortunately got taken. If there is anyway you guys could help me and maybe even stop any further scams with these people I would appreciate it so much. I had contacted my bank and they can not help me receive my money back as I hoped for, but XXXX in high hopes we can get this scam and fraud to stop. 

I have messages and proof of everything with the XXXX, pls contact me if you would like more in depth proof as they have person information in them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian to do a dispute and I was told I can not do another dispute on the company because I disputed it in XXXX and it came back verified. I asked the lady what was verified beside a address and she said my social security number as well as my date of birth I made her aware that this is a fraudulent account and she said well they verified my information so I asked her is there a contract or something that she see that verified that I had an account with them she said no but they sent over something and I asked her well if there is something I need to see it and she had no idea what was sent to them to verify that I had an account with the collection agency nor XXXX who is the original creditor after we went back and forth she said I still couldnt do a dispute so she didnt know what to tell me. I made her aware that I have contacted the collection agency and XXXX and neither could provide me with anything showing I had an account its fraud she said well they verified the account and she didnt know what more to tell me. I explained to her that this is the second time this has happened when it was time for me to get a clearance for my job Im in the XXXX and if she would have looked back 2 years ago she will she a different collection agency had this same account on top of a third agency is also reporting this same account she was no help very rude and refused to look into the account to see what type of verification information they had to show I had this account. I am starting to think that the credit bureaus are working with the collection agencies because there is no way that you can verify I had an account with my social security number and a old address its impossible. So therefore I had to take this a little further