23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a dispute against RentDebt Automated Collections regarding an alleged debt of {$2400.00} that has been attributed to my name. This communication is to seek your assistance in resolving this matter and ensuring that my rights are upheld under the Fair Debt Collection Practices Act ( FDCPA ). 

To date, I have not received adequate validation of this debt from RentDebt Automated Collections despite my formal request. To clarify, I have requested the following information from them : Validation of the original creditors name and address. 

A detailed statement of the account in question, including how the amount of {$2400.00} was calculated. 

Copies of any agreements or contracts that led to this alleged debt. 

Proof that their company has the authority to collect this debt on behalf of the original creditor. 

Despite my efforts, these requests have gone unanswered, leaving me in a position where I can not confirm the legitimacy of this claim. Moreover, I am concerned about any adverse impact this may have on my credit report or financial standing while the matter remains unresolved. 

I kindly request that the CFPB review this matter and investigate RentDebt Automated Collections to ensure that : Adequate documentation and proof of the alleged debt are provided. 

All collection activities and reporting related to this debt are suspended until its validity is confirmed. 

My rights under the FDCPA are respected throughout this process. 

I believe that your involvement will help expedite the resolution of this matter and ensure that all parties adhere to ethical and legal standards. 

Thank you for your attention and assistance. Please feel free to contact me at the above-listed email if you require any further information from my end. 

Sincerely, XXXX XXXX
Product: Debt collection

Regarding the debt collection with the amount of {$4100.00} on XX/XX/XXXX from the Collection Agency : KIMBALL TIREY STJOHN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not receive any official collection details from the letter, email, text message, or phone call for this debt collection. 

Under the Fair Debt collection Practices Act ( FDCPA ), I sent an official letter to the company KIMBALL TIREY STJOHN on XX/XX/XXXX to request proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

I did request the collection agency KIMBALL TIREY STJOHN to provide the following documents within 30 days from the date of the receipt : 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. 

However, I did not hear any feedback from the collection agency KIMBALL TIREY STJOHN.
Product: Checking or savings account

I got scamed out of XXXX dollars by a fraud scheme by wire transfer.
Product: Student loan

I was not aware of this loan. I did not create this account and have no affiliation with them. I was looking at my credit report to see what I could do to improve it and that's when I noticed. I tried to get in contact with them however there is no one picking up the phone.
Product: Credit reporting

I saw an article that said, " apply now by phone '' for a XXXX " XXXX XXXX ''. I spoke to a XXXX Representative '' and gave her all the information she required to apply for a new XXXX XXXX XXXX. After a short period of time, she stated that she could not approve my request at this time. She should they would review my apllication and send me a written response. After about two weeks, I received the written response. It stated that my request for a new XXXX XXXX XXXX was denied. The written response stated that I was denied for XXXX reasons, based on information provided to them by TRANS UNION, a credit reporting agency. All of the reasons were not true for my personal credit information. TRANS UNION stated the following : ( 1 ) - '' High number of credit cards recently opened ''. This was totally not true., I have only XXXX credit cards, both of which are not new and have never had a late payment. ( 2 ) - " High utilization on XXXX or more retail/store accounts ''. I do not nor have I ever had a retail/store account. Other statements they used were also totally false. I was told by the representative, for the XXXX XXXX XXXX, that TRANS UNION was their primary source for my XXXX XXXX XXXX request denial.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX 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, XXXXXXXX XXXX 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 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, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX {$180.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$550.00} XXXX XXXX Opened XX/XX/XXXX {$610.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$820.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
Product: Debt collection

This is a medical collection, for services that I received as a result of a car accident. I obtained an attorney who contacted all creditors and collection agencies to advise that the bills were the responsibility of the insurance company. To date the insurance company has paid all bills in full. However the collection companies continue to report derogatory information on my credit report, even after my requests through the credit bureaus that they remove it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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: Money transfer, virtual currency, or money service

I felt shortchanged by the activities of the international remittance agencies. I have used Western Union and a host of other online platforms like XXXX, etc. Their exploitative tendencies needs to be curtailed. Thank God there is the Consumer financial Protection Bureau. For equity sake their RATES should be a two-way traffic.If {$1.00} = N371. Fairness demands that they accept transfers from both ends at same rate outside their transfer fees. Its criminal to take my {$1.00} and give me N374 but when i bring N374 you would refuse to give me {$1.00} because the real rate is $ 1=N430 or more. Please let them effect a two-way equitable transfer and rate.
Product: Debt collection

Bank of America, was reporting to the credit agencies that I stop paiding on a credit card, and after more than seven years keep this credit card account claim open for collections so I used my debit card account to paid them back, no credit card account was never offered to me after paying that credit card account off and no updates were issued on credit offered to me. I paid off that credit card account but got nothing for it no credit card reactivation.
Product: Credit card

I have an account with the Synchrony XXXX.  They offer no interest for a certain amount of time which I have used and paid the amount off within that time limit.  A flooring company used this card and I asked for XXXX year no interest which I had done before with a lessor amount charged.  In XXXX months I saw that the amount was due so I called the company and explained the XXXX year request and the representative of the company assured me that they would honor that and give me an additional XXXX months.  The next month I discovered that they had not and I owed more than the original charge when the XXXX month interest (30%) was added in.  I called back and the person I talked to and her supervisor said "tough luck".  They would not give me the extra XXXX months that the other had promised.  I would have paid it off if I had known I wouldn't have the extra time.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$380.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. Section611 ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach. and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

My husband was in contact with an auto company by the name of XXXX XXXX in SD. He had been inquiring about two cars that he was interested in purchasing. We had received an offer agreement along with how they operate when sending cars over to another state, and basically seemed like they operate like XXXX. Company has a website with the cars, car faxes, information etc. On XX/XX/2024 we wire transferred over XXXX so that the process on shipping could be started. My husband was speaking to the salesperson by the name of XXXX, and my husband simply asked what his managers name was in case we needed to get in contact with him, and XXXX 's response was he doesn't like us giving out his information. At that very moment the red flag went up. Something didnt sound correct. immediately we contacted my Bank XXXX XXXX XXXX XXXX to file a report that it is fraud. Doing more investigating after the fact, my husband called the dealer where these two cars were originally purchased, and the salesperson at that facility said that those two cars have an owner. I quickly paid for two car faxes, which the legit ones are totally different from XXXX XXXX as they basically took a XXXX and altered all the info. XXXX has been sending messages out to Bank Of America for a week to retrieve out funds back.I have the fraud carfaxes, the legit car faxes along with the information on where my money went to as a wire transfer. No one for a week has gotten back to XXXX at XXXX is still persistent on getting my money back and also Bank Of America should at least be concerned so that this does not continue to happen. Filed a complaint with the NY Attorney general as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX I've noticed that two accounts under the name XXXX XXXX XXXX XXXX has been reinserted back onto my ( Transunion ) credit profile without 5 business notice as required under federal law section 1681 of the fcra.

There are currently two accounts being reported simultaneously. 

1 ) account ; debt collector ; XXXX XXXX XXXX XXXX, report original creditor. XXXX XXXX XXXX XXXX with an outstanding balance of {$1900.00} inaccurate, unverifiable reporting a violation of FCRA rules section 1681.

2 ) account that collector, XXXX XXXX XXXX XXXX. Reports, original creditor as XXXX XXXX. With an outstanding balance of {$3500.00}. This information is inaccurate, misleading, inconsistent. A violation of fcra rules section 1681. 

Notice in attachment ; XXXX XXXX XXXX XXXX   knowingly changed the name of original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX and altered the outstanding balance I'm out from {$3500.00} to {$3500.00} to make it seem like a new account. This is a clear violation of federal laws. 

Both account has been added and deleted to my credit 3 times since XXXX of 2020. Records will show.
Product: Credit card

I never applied for credit card with SYNCB/JCP. I saw it appeared on my credit report as Hard pull inquiry. I need to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 XXXXXX/XX/XXXX
Product: Checking or savings account

My car window was smashed at a baseball field near my house on Saturday, XX/XX/XXXX about XXXX PM. I called Wells Fargo right away and let them know. They told me they would send me new debit and credit cards. They did not advise me to do anything else. On Thursday, XX/XX/XXXX I checked my checking account and I had - {$3500.00} in my checking account. I called Wells Fargo and they told me a check had been written to me and deposited. However someone had fraudulently tried to cash this big check written to me. Ever since then it has been nothing but headaches and they keep telling me they are investigating. They told me I would have my money back and things would be resolved today XX/XX/XXXX. I called this morning when it was not resolved and they told me that now they are still investigating and it will be resolved on XX/XX/XXXX. I opened a new account and I still have a negative balance of {$3500.00}. Please help me to resolve this as soon as possible. It has been the worst nightmare ever! I was a victim of a robbery and identity theft and I am getting no help whatsoever. Thank you.
Product: Debt collection

I tried verifying a debt with Hunter Warfield Inc. Which is {$3200.00} and they temporarily deleted the debt from my Credit Report on all 3 Credit Bureau 's. Then without atleast a 5 day notice they put the Account back on my Credit Report which by law they have to give me a Five Day Notice.
Product: Mortgage

Over this past year Ive gotten numerous phone calls from XXXX ; Bank of America, this last one at XXXX, XX/XX/2018.they are insisting that I am Late with my payment. I have never been charged with a late fee for my mortgage, and Ive had this mortgage for five years. Nastily Ive been told that Paying in the grace period ... means I am late, and what am I going to do about it. Well Im XXXX and as soon as my checks are cleared, I write my morgtage But that doesnt seem good enough ... then the woman got real nasty and said if Im renting to anyone, or not living there my interest rate should be higher..I told her no I am the only one that lives here and that I am homesteader in XXXX XXXX, Florida . 
Six months ago, they called to check to see if I was a foreigner ... and asked for a copy of my passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention credit bureaus regarding the late payments on my XXXX XXXX account, I have come to an agreement with XXXX XXXX. As you see in my attachment that I have submitted my account is current and in good standing with XXXX. I have extended my monthly payments and I request that you please remove the lates on this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting y ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY XXXX REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX - XXXX  OPENED - XXXX XXXX XXXX - EQUIFAX

EMPLOYERS - XXXX XXXX XXXX  - XXXX  
ADDRESSES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
XXXX XXXX XXXX - EQUIFAX

I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.
Product: Credit card

Some one applied for a credit card in my name for XXXX XXXX  and capital one in the past month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on XXXX but reporting updates on XXXX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from TRANSUNION which is also inaccurate. This account is also reporting updated balances with different, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and TRANSUNION XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I am a victim of identity. Dear Equifax, XXXX XXXX XXXX am not a third party and I have and still do give authorization for my credit report to be corrected