23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In review of my XXXX credit report on XX/XX/XXXX, I noticed a " collection '' account being reported by a company by the name of Ability Recovery Services LLC. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 

* Contract : provide me with a contract agreement between Ability Recovery and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 

* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted.

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Furthermore, the Fair Debt Collection Practices Act Regulation F effective XX/XX/XXXX, does not give you the right to report a Collection on a consumers credit report without prior notification! The following action must be taken before you can report this erroneous item to my credit file : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

YOU HAVE BROKEN THE LAW! YOU HAVE NOT DONE ANY OF THE ABOVE AND I DEMAND THAT YOU REMOVE THIS ILLEGAL ITEM FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

They reached out to me. And I do not know who they are. They then insisted i owe them a debt to collect. 
I have sent this company a XXXX XXXX, subrogation and a cease and desist this company has refused to adhere to the federal guidelines by ignoring my requests in my attempts to resolve this matter the company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of FL. Please have this company cease all collection activities this is my last attempt to complain outside of the court of equity.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway attached are my id to verify identity and FTC police report
Product: Checking or savings account

Date : From XX/XX/XXXX to now Bank : Chase Amounts : {$28000.00} on savings, {$18000.00} on checkings Complaints : 1. I am not receiving the fund 2. There's no XXXX on closure 3. There's no any update on my case since XX/XX/XXXX, when the money was cashed out into checks, as the mail they sent to me showed. We can't tell whether they are actively working on it. 

Whole Story : On XX/XX/XXXX, I was informed that my checking/saving accounts were to be closed by Chase, and they promised to send me the check within 10 business days. But as of today, they still didn't do anything yet, including asking me questions on any suspicious transactions they think, sending me remaining funds, or just providing an XXXX, etc. 

Actions I Tried : 1. Ask customer service 2. Ask banker in physical branches 3. Ask Chase complaint department All the three actions result in the same answer, that is they can not provide any update on this issue, and there's no way I can talk to the person whoever owning my case. 

Potential Cause : There were a few amounts of money transfer into my accounts might looks suspicious. They were from a friend 's friend, to pay me USD from XXXX I paid him. I didn't know why he divided into small amounts from different accounts at that time, but it seemed suspicious.
Product: Credit reporting

My husband and I filed bankruptcy 6 months ago, and everything that was on our credit report was included and discharged. However, on my credit report companies are still reporting that the accounts are either still opened or I 'm behind in my payments. I thought once a person filed bankruptcy the status is supposed to changed to " Included in bankruptcy ''. I have disputed this information being reported to the creditors and Equifax. In addition, I sent them supporting documents and I even called, but I am getting hung up and even after the 30 day wait for the dispute the items on my report are staying the same. I believe what Equifax and the creditors are violating the Fair Reporting Act and have totally disregarded the bankruptcy paperwork which they can retrieve themselves because his is public information. Also, in the public section of my credit report they have n't even added that I filed bankruptcy. I am really sick of this problem, it has been going on for about 5-6 months now after the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on Trans Union LLC XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXXXXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX I received a refrigerator that I had ordered from XXXX XXXX XXXX XXXX XXXX, PA. When received and placed in my kitchen the refrigerator had several scratches, dents and a screw drilled through the appliance. I refused the delivery, but the drivers spoke little to no English and still left the appliance ( I did not sign anything ). I immediately called the store and spoke to a woman who asked me to text her pictures of the damage. Once I sent her pictures, I had to follow up several times over a two-week window. My last follow up I was advised that a check was mailed to me for a 15 % discount. I stressed again as I had been that I don't want the fridge. The {$250.00} dollar discount does nothing for me, I do not want the fridge and at this point the {$250.00} barely covers the warranty I paid for that is now void because there is a screw drilled through the appliance directly into the product. 

The first dispute with the credit card company XXXX I was told was not in my favor because I was offered a discount, which I never got or agreed to. My statement reflects no discount, and I never received a check. This discount does nothing for me, I want a functioning new fridge that I paid for and expected to get. After that dispute I was told to file another dispute, so I did. After I submitted the second dispute and paid a minimum due of {$77.00}, I started to get statements reflecting a negative balance, total credit limit of $ XXXX available credit {$10000.00}. The statement also reflected a previous balance of {$2100.00} and a credit/refund of {$2200.00}, balance- {$77.00}. Once I received this statement I called and spoke with a woman with XXXX who informed me that my statement is showing a negative balance because the dispute was found in my favor. Several months I continued to get a statement with a - {$77.00} balance up until now, now I have a statement for the full amount again of {$2000.00}. When I call XXXX I no one can tell me anything and instead I am referred to a XXXX immediately. I sat on hold for over 45 minutes while an associate tried to find notes as to why the dispute was in my favor previously but now, I am being charged again. All the associates could tell me is that the dispute was found in the merchant 's favor, but no details as to why or why it changed after several months. 
How is XXXX in the right when they literally have done nothing to make this right? I rejected the delivery, and the damaged appliance was left. No one has tried to help me or return my calls- the company is nonresponsive. They even lied and said they sent me a check for a discount, never received even if I was willing to accept the discount. 

Why is this credit card company not helping me? Why was it resolved and i was credited the purchase and then it was reapplied months later? 

I need help resolving this, it is not fair that i am stuck with a damaged appliance when i paid for a new one. This refrigerator does me no good especially with a screw drilled through the appliance.
Product: Mortgage

This complaint is based on an existing UNRESOLVED complaint from 2010 Complaint # XXXX The excessively long duration of delays ( many months ) and no response caused lasting credit damage, stopped other lending options from proceeding, and cost us over {$11000.00} in increased mortgage payments and damaged credit. We have never fully recovered from the losses. 

My concern starts in 2010 with Wells Fargo. Initially, we were working with other banks to refinance our house. We went to the XXXX branch of Wells Fargo and met with XXXX and XXXX. Upon consulting with them, they said it would be easy to refinance the house because we had good credit and good collateral and our major concern was the ratio of loan to value on our house. We were told that we could overcome that by either accessing the HARP loan or using a VA loan which allows for a different ratio than a standard loan, both of which I'm eligible for. In the end it took over 210 days for them to eventually tell us no and not process our loan. During that 210 day process there were four specific instances when we were sent four truth in lending packets, and promised that the signing would go through, we were ready to sign and one of three things would always happen : ( 1 ) XXXX XXXX would lose pieces of information to complete the packet on the bank 's side, ( 2 ) the bank would bring up a concern that they had not addressed prior to the signing usually with regards to the loan to value that would require starting over in the process, ( 3 ) somebody else in the bank higher than XXXX would lose the paperwork and we would have to start the process over again. During this time, there were multiple 30 plus day periods that XXXX would not respond and nothing would get done. In many cases, XXXX would take vacation in the middle of processing and would not tell us until we would go to the bank with nothing processed. We escalated because of the delays to XXXX 's manager XXXX XXXX and through the corporate manager XXXX XXXX. We reached her by escalating through our Senator XXXX XXXX. On our Senators behalf XXXX contacted us initially. None of this solved the problem. I have an email from XXXX XXXX asking me to stop talking to the corporate manager because it was slowing him down. In that email, XXXX admitted he made a mistake. A large number of these delays had magnified after XXXX had met my wife and I. We noticed a severe decrease in customer service and increase in delays after XXXX had met my wife, who is quite clearly XXXX XXXX. XXXX XXXX told us that this should only take 90 days, worse case scenario. XXXX XXXX said that at the 180 day mark. The delays markedly increased after XXXX and XXXX had met my wife. 

I am an honorable Veteran of XXXX XXXX and XXXX XXXX, My wife is of the California XXXX XXXX. Since this incident we have incurred lasting costs both due to the credit damage and the inability to refinance when lending options were halted or denied solely due to the unfinished problems and credit markers Wells Fargo left on our credit description.
Product: Checking or savings account

My payroll direct deposit that was expected on XX/XX/year> did not appear in my checking account. I never received any notification from the bank and then found out from news reports and social media about an outage affecting thousands of customers. I called the bank customer service to find out what's going on and they were not able to provide any information other than it's a " temporary technical issue '' but not able to provide any ETA on resolution. All I see on social media are pre-scripted responses from them that tell you nothing. It's no more than 48 hours and I still dont have access to my funds. Unfortunately, I like many others live paycheck to paycheck and rely on the funds to pay obligations, shop for groceries, put gas in my car and other daily necessities. It is hard to believe that such a large organization does not have contingencies / redundant systems in place for these types of issues. They have failed their customers miserably! 
Please also note that calling their customer service number results in very long wait times of an hour or more and then sometimes disconnects once you are about to speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiry XXXX- XXXX Me Inquiry from XX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up fraudulent accounts in my name : XXXX XXXX. on XX/XX/XXXX for XXXX Navy Federal XX/XX/XXXX for XXXX XXXX, XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am in process of purchasing home only to find out their is Student loan in my name. 
i have never been to or taken college classes where i took out a any loans. 
when i called company reporting this Nelnet student aid loans turns out someone else is the student not me and it was my ex-wife who had /have access to my personal information. loans were taken out over 10 plus years ago and i never received any communications or was made aware off. even the contact information Nelnet had on my file nothing belong to not the phone XXXX  or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car through Hyundai Motor Finance ( HMF ) on XX/XX/XXXX. The last payment on the lease was on XX/XX/XXXX without a single missed or late payment throughout those three years. When first leasing the vehicle I paid an additional amount for a warranty for any wear and tear that might occur during the time of my lease, anything under {$7500.00} would be covered. Upon return of the vehicle HMF used a third party contractor called XXXX to come do an inspection. Their inspection resulted in {$550.00} worth of wear and tear therefore I knew would be covered under my warranty. I made all payments under my responsibility including the {$400.00} disposition fee with the understanding that HMF would be receiving their money for the wear and tear through American Risk Services ( ARS ), which HMF partners with as the third party responsible for those wear and tear payments. I was advised HMF would initiate that claim and work with XXXX to get that matter resolved, all I would have to do is fax over information to them which I promptly did. Due to my persistence and desire to follow-up I later learned neither XXXX or HMF had initiated a claim. I called both companies regularly and each of them placed the blame on the other. I had to resolve the matter by using three way calling so there would no longer be any discrepancies or miscommunication. After this a claim was initiated. HMF received their payment late and although it was not my responsibility to pay them they faulted me for the late payment and sent a late payment report to all three of my credit bureaus. My credit bureaus have the late payment for XX/XX/XXXX although I had returned my lease and made all payments I was responsible for on time. I attempted to dispute this matter with my credit bureaus but they referred me back to HMF. I've attempted to resolve this matter with HMF but have been unsuccessful as they refuse to take any responsibility. This is the only negative/delinquent payment I have in my credit report and need assistance in getting this adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made plenty attempts to this company credit central has relentless abused my credit with this fradulent account they will not remove this account.open this second account with out my authorization..I have sent them a ftc report they refuse to remove the account.. I will be placing a lawsuit against them if account doesn't get removed..
Product: Checking or savings account

Optum bank charged my account for {$100.00} on 3 seperate occaisions. XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then teice for {$200.00} on XX/XX/2022 and XX/XX/2022. Ive filed disputes with them to no avail.
Product: Debt collection

On XX/XX/XXXX I received a notice from Diversified Consultants, Inc. to inform me about an alleged debt with XXXX XXXX in the amount of {$1600.00}. I notified them within the 30 days after receiving this notice and I disputed the validity of this debt. I sent a certified letter on XX/XX/XXXX. I received their response to my certified letter on XX/XX/XXXX. 

My certified letter ( which I am attaching to this complaint ) requested some of the following : -Agreement with the creditor that authorizes you to collect on this alleged debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Agreement bearing my signature stating that I have agreed to assume the debt -Complete payment history on this account along with an accounting of all additional charges being assessed. 
-Contractual signatures and agreements of said account -Documentation showing you are licensed to collect in Colorado along with your license number and registered agent. 

The only thing I received was a cell phone bill with talk history from XX/XX/XXXX to XX/XX/XXXX. They failed to validate this debt and they failed to delete this account from the 3 credit bureaus and stop attempts at collecting this debt. They did not submit any of the information I requested. A billing statement is not proper validation of a debt. I do not have a signed contract nor any contract with Diversified Consultants , Inc, regardless whether or not they purchased this debt from XXXX XXXX. 

I have attached all communication with Diversified Consultants , Inc . Since this account was not properly validated, I am no longer legally responsible. Account validation is my right granted by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Sunday, XX/XX/2023 Account number : XXXX Explanation : The closing with non monetary relief of the above referenced account is not a well enough remedy to the damage inflicted upon my credit report/scores due to having this unverified account on my report. 
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must delete any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently deleted from my credit report. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

I paid this account in full with Synchrony Bank in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with XXXX XXXX. I have tried numerous times to have this rectified by