23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. 
They have violated my right to privacy and have furnished an account against me without my written instructions and consent. 

According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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. 

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. 

Sunrise credit service account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was involved in a chargeback dispute from a sale I made on XXXX back in XX/XX/2019. I received the notice in XXXX that the transaction has been chargebacked and marked as an unauthorized purchase. Usps and XXXX dont keep tracking records past 90 days fortunately I was able to retrieve the tracking number used and correspondence with the buyer in regards to shipping. In late XXXX I received a response from the buyer right after the deadline for evidence submittal. The buyer detailed how his now ex wife stole property and filed fraudulent chargebacks. I attempted to submit this information that would absolve me but was faced with resistance from PayPal saying it doesnt matter, I finally managed to get a link to submit my information but was decided against. The information I provided is clear that I was not involved in an unauthorized purchase and what happened was fraud. I will include some screenshots but can send more. I have not received any contact from the buyer.
Product: Debt collection

On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. 

Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complaint. P & B Capital Group continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment.

They have failed multiple times to adequately respond to the dispute ( s ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines P & B Capital Group is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # 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 instruction.
Product: Credit card or prepaid card

Capital One reduced my credit limit from {$10000.00} to {$5000.00} even though I have 3 years of perfect credit history with them and wont listen to me when I call and ask about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION OF 15 U.S.C.  1681s-2(A) & 15 U.S.C.  1681b-2

AFTER REPEATED ATTEMPS TO REACH XXXX XXXX AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN XXXX  OR XXXX XXXX XXXX  ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF 15 U.S.C.  1681b-2

I ALSO MADE MULTIPLE DISPUTE WITH TRANSUNION AND IT YEILDED NO RESULTS AFTER SHOWING THEM DOCUMENTS OF INACCURATE INFORMATION THEY AERE LISTING ON MY CONSUMER REPORT ABOUT THE FURNISHER THAT IS FALSE

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT IN USE BY XXXX XXXX.
Product: Debt collection

CKS Financial calls me daily. They are calling for someone who is not and has not ever had this number. I have informed them multiple times that they have the incorrect number and to stop calling. they have not for months. 

I have told them i would file a complaint and it did not work. I do not know the person they are calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXXand 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: 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. 

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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the collection UCCXXXX on to inquire of the date. I asked that they send me a letter or proof of debt invoice by mail. I received the letter on XX/XX/2024 to disclose the amount that is owed and who the original creditor was. I sent a pay to delete letter by email to the collections agency on XX/XX/2024. An agent called me and left a message saying they wouldnt make a settlement so I called them back on XX/XX/2024 and made a full payment. There was not clarity by them that they would remove the debt from my reports. I called and never gotten a phone call back for confirmation of removal of the debt. I feel they are avoiding me now.
Product: Bank account or service

On XXXX XXXX, 2017 I set up a billpay account with my chase checking account. I attempted to pay XXXX XXXX XXXX the sum of {$300.00}. I later received a call from a garbage company by a similar name ( XXXX ). They said that they had received an electronic payment and wanted to what it was for. They informed of the amount and I told them that Chase Bank had sent it to them in error. They said they would make an electronic refund. To this date, XXXX XXXX, 2017, Chase Bank has not acknowledged they have received a refund and insist that they sent the payment to XXXX. This is not true. XXXX has not received payment from Chase Bank. I would like Chase Bank to refund {$300.00} to my bank account. I believe the error is theirs, not mine..
Product: Debt collection

Receivables Outsourcing is calling from XXXX and leaving messages for a personal friend. ( Most recent call XX/XX/2018. ) He does not and has never lived at our address. This is not a coincidence, but a deliberate tactic to embarrass him into paying a fee or debt. I have no idea whether he owes something or not but I have no intention of raising the subject. It is neither legal nor ethical for them to call us. My privacy was probably breached for this company to obtain my phone number to make these harassing calls. As a retired bureaucrat, I would much rather let them experience my wrath than involve a dear friend. Please ask them to stop. 

If you need the recording the company is leaving, let me know. My husband and I are retired and are happy to talk with your staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX Balance Owed : {$570.00} XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XXXXXXXX XXXX  AND XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I wrote a letter to Experian on XX/XX/year>2024 requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 

609 ( a ) ( 2 ) they have not provided sources of information on the collection.

610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back.

611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details.

611 ( a ) ( B ) They have not provided the reasons for the determination.

611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated.

611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report.


611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly.

611 ( 4 ) They have not provide a description of the reinvestigation procedure.
Product: Debt collection

Waypoint Resource Group Inc. keeps putting me in a collection status on the ( Credit Reporting Agency 's ) CRA 's now 3 times about a debt of XXXX USD owed. When I call them they are telling me they have no records and I asked them why do you keep putting this in the CRA 's if you don't know what it is about? After giving them my particulars they can not find anything then keep doing this XXXX months later. I paid a lawyer to remove this from the CRA now I am demanding that Waypoint Resource Group get this removed ASAP or I will have to file a lawsuit first all I spent XXXX XXXX getting this cleaned up next my job requires a security clearance and the CRA 's have dropped my FICO now XXXX points for their improper actions. I have never received a letter or validation and this continues. I am going through reinvestigation and this has come up! I lose my job because of this I will litigate for damages. I need your help in getting them to stop this.
Product: Credit reporting or other personal consumer reports

filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from Equifax until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that XXXX  offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called XXXX  during business hours at XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.
Product: Mortgage

This follows from complaint XXXX where Mr Cooper incorrectly XXXX to charge us for the same mortgage twice. We had paid off the mortgage through XXXX and somehow Mr Cooper transferred the mortgage loan without the payoff. This was corrected only after we filed complaint XXXX. 

Now, we see on our credit report that Mr Cooper lists that the mortgage ( again paid off ) has an outstanding balance. Today we also received a false XXXX statement showing a balance. 

We filed our last complaint in XX/XX/2023. This should have been corrected then. Now we are receiving false tax forms and false information on our credit report.
Product: Vehicle loan or lease

The car was totaled back in XX/XX/2020. The Insurance company ( XXXX XXXX ) asked Kia Motors for pay off amount. The amount was paid off just like requested. Kia Claims that I still Owe a XXXX. XXXX XXXX says that they collected that amount already. 

I need that amount to be wiped out and taken away from my credit report. It is affecting my credit score and it shows as a late payment which is not the case at all. 


Attached you will find that KIA is asking me to collect the XXXX deductible XXXX BUT also attached a proof that XXXX XXXX collected that XXXX $ deductible on their behalf ... 

I already paid the XXXX deductible to XXXX, It is not fair to pay the deductible TWICE.