23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello yes I received a letter just Friday over the weekend Saturday from a debt collector who put in a judgment levy against me in the year of 2000 of XX/XX/XXXX and I'm just now being informed had no awareness of this lawsuit of judgment filed against throughout all these years ..filled against. Nothing never appeared on my credit as a collection item from this collection agency as well... 


They have threatened to garnish my wages 10 days from this date of today and again I never had no acknowledgment of this debt from allied collection services who filed this judgment with the local courts in my city and that was filed back in in the year of 2000 now it's been 24 years " '' no one never notified me or informed me or serve me no constable nor any certified letter or I received acknowledged I even know what this is about to be honest and I also I have been a victim of identity theft over the years and I have a police report on file and also have a complaint with the Federal trade commission and FBI about my identity theft as well thank you.
Product: Debt collection

On XXXX I was checking my credit score and noticed a steep decline in my score. When I looked further I noticed a collections account that I was not aware of. Upon further review through experian, I saw that the collections account was from XXXX that was opened on XX/XX/2021 in the amount of {$660.00}. I have never received notification via mail of any balance due to XXXX. I have never received a phone call regarding a balance due to XXXX. I have never received any written or verbal communication from CREDIT COLLECTION SVCS regarding a collections balance. This debt has tarnished my credit score and has future negative implications on any future financial purchases. Prior to this, my credit score was well above XXXX and it currently is showing below XXXX. I am formally requesting assistance in clearing the collection and ensuring that all laws with respect to fair debt collection practices ( FDCP ) were followed by XXXX and Credit Collection SVCS.
Product: Mortgage

Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.
Product: Credit card or prepaid card

At XXXX XX/XX/XXXX, I woke up and saw a bunch of emails from Bank of America that stated that I had made an account and opened a credit card under my name online. I immediately called them to see what happened and to report it due to it not being me who opened this credit card
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. 
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act. 
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform  and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices. 
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.
Product: Debt collection

Affirm has repeatedly sent emails to me about a XXXX purchase I did not make load ID XXXX I get monthly emails notifying me of auto payments for this purchase and I have repeatedly told them they have the incorrect email address and that the last 4 digits of the credit card they have on file does not align with any of my credit or debit cards. I provided proof of my identify to show I am not the person whos purchase and they say that email is still liable for all past and future payments. I know there are other people with the same name and people have mistakenly sent emails to me instead of the intended recipient in the past
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Theses failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through EXPERIAN CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted EXPERIAN CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but Experian said all the information they have on file concerning the dept was collect even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FLAUD FROM THE ORIGINAL CREDITOR. 
I rented an apartment from the Original creditor XXXX, but a month after I rented the apartment the roof collapse and I could not use the apartment anymore after so many attempt I made contacting the XXXX to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But two month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX BE FOR IMOVED OUT FROM THE APARTMENT THE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXX TO TAKE SUCH FAULES STATEMENT OFF MY CREDIT FILE
Product: Debt collection

Please take immediate action to eliminate the fraudulent inquiries from my credit report. I did not authorize them, and they are causing me significant distress.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid, Closed Account To Whom It May Concern : I am writing to formally request the removal of a paid, closed account from my credit reports. The account details are as follows : ( SEE ATTACHMENTS ) This account has been fully paid and is no longer active. While it is accurate that the account has been resolved, its continued presence on my credit report is no longer relevant to my current financial situation. I respectfully request that it be removed to better reflect my financial standing.

To facilitate your investigation, I have enclosed proof of payment and account closure for your reference. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that this matter be addressed promptly. 

Please confirm receipt of this request and provide me with written notification once the account has been removed. If additional information or documentation is required, feel free to contact me directly. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The following account is reporting inconsistent and inaccurate information on my credit report and is violating my federally protected rights under the fair credit reporting act the furnisher shall report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inconsistent and inaccurate information I demand them to delete account immediately.
Product: Consumer Loan

On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.
Product: Debt collection

The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA SEC 605b u are required to remove and block information from credit report within 4 days failure to do so which u have I can file a lawsuit and Ive already supplied police report in previous disputes so Im now demanding that you remove XXXX  XXXX employees fraudulent credit card off my credit report or legal action will be taken I will reattach documents
Product: Money transfer, virtual currency, or money service

A Chase XXXX-XXXX  transaction was erroneously sent on XX/XX/20 in the amount of {$480.00}. I've explained to Chase the issue and asked for them to work with the institution that received funds to reverse the transaction. I need someone from Chase who can help. They advertise there XXXX with XXXX as a fast, convenient, and safe way to send money. However, sending money to the wrong person is fraud. 
I tried contacting the person who received the money and they have responded.
Product: Debt collection

Today, XX/XX/XXXX, I received a notification that a company by the name, XXXX XXXX XXXX and XXXX XXXX, supposedly a collection company, wants {$580.00} collection from me. 

This is information is fraudulent, I need help disputing this charge. I did not open any account with this company and I did not authorize anyone to use my information to open an account with this company. 

Tried to reach out to the company but they dont have a customer service or a fraudulent center. 

On a side note, I did not use my maiden name since XXXX, after my marriage. And I moved from North Carolina back in XXXX. 

Please help to fix this fraudulent activity and repair my credit.
Product: Mortgage

In XX/XX/XXXX, my wife and I applied for a mortgage with XXXX XXXX XXXX. Our credit was and is excellent. We had and have sufficient income. We had and still have substantial liquid assets. All documents required were delivered to the XXXX branch. What ever was requested was delivered within two days time. At the end of XX/XX/XXXX, we received an email from TD Bank stating if they don't receive an insurance certificate form our condo association they will deny our mortgage. They already had the certificate. I called the regional manager who said he would look into the matter. He called back saying the certificate they have is on my insurance. I became very irate, explaining I never applied for insurance, and won't until we have a closing date. I believe the regional manager and the mortgage processor entered false, misleading and derogatory information in my file. I also believe they were reluctant to approve the mortgage because of my age. I was XXXX at the time. There was no other reason for their actions. My complaint is that I want a copy of whatever information is in my file.
Product: Credit reporting or other personal consumer reports

Date Opened : XXXX Balance : {$3900.00} Fraudulent Inquiries : XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found out that credit karma is getting paid for using your information to these 3rd parties companies to get inquiries and tell u you are pre approve and tell u its not a hard pull on your credit
Product: Credit reporting or other personal consumer reports

1.Aggravated identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.
Product: Credit reporting

This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, DOB, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX
Product: Debt collection

Portfolio Recovery Associates filed a lawsuit against me in XXXX State Court in XXXX of XXXX, without contacting me. When I found out about the lawsuit in early XXXX, I submitted a request to produce documentation and evidence supporting their claim, and I notified them that there had been a dispute filed by me against XXXX XXXX  in the XXXX timeframe regarding " over-limit '' fees charged as a result of late fees that raised the balance above their own limit - in direct violation of the congressional CARD Act of XXXX. Portfolio Recovery Associates refused to provide the documentation I requested, and as a result XXXX  State District Court Judge XXXX XXXX dismissed their lawsuit in XXXX of this year, XXXX. 

I submitted a recent dispute to XXXX when I found that the XXXX accounts were still listed as negative items in my credit report, but Portfolio Recovery Associates has denied the dispute, and continues to have a negative impact on my credit report, which has now resulted in continued damage and a rejected mortgage loan application.

I now know that PRA has a history of doing similar damage to other individuals, that has resulted in action on the part of the CFPB in XXXX and early this year. If I would have known that earlier I would have contacted CFPB before the most recent action against Portfolio Recovery Associates.
Product: Debt collection

The following company XXXX XXXX XXXX, XXXX Attempted to collect a debt that dont belong to me I requested proof of ownership and non was provided, it was an identity theft, and i reported the incident to the mayor credit file companies and my credit was frozen to avoid future attempts to steel my identity, 3 yrs later this company PYOD LLC is trying to collect on behalf of XXXX XXXX, I requested over 60 days ago proof of ownership signature or an Government ID to proof I own that, I explain that was a fraudulent account and after 30 days still no proof of ownership, They keep calling and harassing me to pay what dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that chase is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Corporate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Fifth Third Bank took the funds from my joint account with my husband and applied it to an early access loan attached to my sons checking account, which I am joint signer. The bank does not allow a signer to be removed from an account and forces you to close an account to open a sole owned account. I have nothing to do with my sons account other than I am still listed because of the banks policy. They took my husbands entire check causing the account to overdraft because I have my bills to take care of.
Product: Debt collection

An attorney for 'XXXX ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about EIGHTEEN YEARS OLD now ... .. how is this even legal??