23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX, XXXX, due to an unrecognized debt appearing on my Equifax credit report with a balance of {$6600.00}. I have no prior knowledge of this debt and have not received any validation of its legitimacy, despite attempts to dispute it. This is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am entitled to request validation of any debt. XXXX XXXX XXXX, XXXX, as the reporting entity, has not provided documentation to prove the validity of this debt. Without proper validation, this debt remains unverifiable and inaccurate. Furthermore, the presence of this debt on my credit report has negatively affected my credit score and financial reputation. Legal precedent, such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), underscores the importance of accurate credit reporting. In addition, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) highlights the obligation of debt collectors to comply with the FDCPA. Resolution Requested : I respectfully request that XXXX XXXX XXXX, XXXX : XXXX. Provide proper validation of the debt with supporting documentation ( e.g., signed agreements, billing statements ). XXXX. If the debt can not be validated, remove the account from my credit report immediately in compliance with the FCRA and FDCPA. Please provide written confirmation of the resolution, including whether the debt has been validated or removed. I trust the XXXX will assist in ensuring compliance with applicable federal laws to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I became unemployed in early XX/XX/XXXX and fell behind on payments, I have never been behind on my payments or needed assistance in the past before this event. While unemployed I was unable to pay my mortgage payments so asked Chase for assistance to be able to be able to keep my home. They put me on a Forbearance plan to make 3 payments of XXXX to get to the end of the year. I worked hard to become employed and told Chase when I got a job ... without my knowledge they took me out of Forbearance and placed me back into foreclosure. I did everything they had asked me to do and got denied twice for loan modification. After the second denial they told me to contact a realtor about short selling my house. I did just that and got great news that I didn't have to have a short sale or foreclosure on my records for my specific property that I could sell it and not affect the homes value. I did everything possible to make the house presentable so that Chase could get their money back asap. I was fortunate enough to get an offer the second day on market to a buyer who was understanding of the properties situation and asked Chase to move back the foreclosure date from XX/XX/XXXX to XX/XX/XXXX to allow this deal to go through. They denied my request and insist on foreclosing out this property. The foreclosure of this property doesn't only hurt our family unnecessarily but the homes value, our neighborhoods value, the future buyer of the home for just 41 days of a difference. This is the reason I am filing this complaint ... we are not trying to be unreasonable we are just trying to do the best for all parties involved.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. There were several accounts removed from my consumer report by XXXX. However, transunion and XXXX will not remove said accounts. The accounts referenced are listed below 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

UNIVERSITY OF XXXX XXXX This company is unable to validate the debt. They can not provide signatures or any information, that explains me owe them.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

Credence Resource Mana Reported on XXXX, XXXX, 2024 I never had a contract or signed up with this company. Delete collection from all XXXX bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reported To these secondary agencies on numerous occasions how would like documentation showing the accuracy of the published information with my consent. I do understand according to a 18 U.S.C. 1028 which is the " Identity Theft and Assumption Deterrence Act '' - A person commits the crime of identity theft if, without the authorization, consent, or permission of the victim, and with the intent to defraud for his or her own benefit or the benefit of a third person, he or she does any of the following : ( 1 ) Obtains, records, or accesses identifying information that would assist in accessing financial resources, obtaining identification documents, or obtaining benefits of the victim.

( 2 ) Obtains goods or services through the use of identifying information of the victim.

( 3 ) Obtains identification documents in the victim 's name.

I do not know these companies, please remove my information from these Reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Over thirty d
ays ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was created with my information at Experian. I only learned about it from a confirmation email several days later. It seems there was never any email or phone confirmation required for the fraudulent sign up. 

It's not clear what personal information of mine was exposed, but I also see fraudulent activity on Experian, so it seems as though the sign up with Experian was used to facilitate identity theft. I'm still just starting to look into that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Mortgage

I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report. Equifax has failed to supply accurate information. A bill is not sufficient information and is completely inaccurate. 15 USC 1692J- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. I demand these in accurate accounts to be delete from my report immediately. 
OHIO DEPT OF HUMAN S XXXX XX/XX/2016 {$6000.00}.
Product: Mortgage

Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX
Product: Credit card

on XX/XX/year> at XXXXXXXX XXXX I placed a order on XXXX for a XXXX laptop in the amount of {$2200.00}. On XX/XX/year> at XXXX XXXX sent me a XXXX XXXX Cancellation Notice letting me know that my order that was confirmed originally has been cancelled. I than assume XXXX is gon na refund me and I should get a refund back to my card within 7-10 business days, days go by and I dont see my refund back. I try emailing XXXX back but there email is not monitored, they dont have a phone number so I was out of luck on how to get my refund returned for this canceled order I purchased thru guest checkout. After attempting to work this issue out with the merchant and failing I than file a dispute with my bank. I send my bank the cancellation notice I even forwarded them the email that XXXX sent directly to me to there dispute resolution team and my bank failed me as a customer and denied my claim and accused me of suspicious claim activity so they would not have to assist with this issue. I than call my bank reach out and attempt to file an appeal because this dispute denial doesnt make any sense what so ever. My bank said they were gon na schedule a call back for a dispute analysis to discuss with me about appealing but they lied about that too they never contacted to me back they never did anything but ignore my situation.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Dispute and Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) ** This letter serves as my formal demand for TransUnion XXXX immediately comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. Despite my repeated disputes regarding unauthorized charges on my XXXX XXXX  account and my submission of a **police report**, TransUnion has failed to follow federal law and continues to report inaccurate, fraudulent information on my credit file.

Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, you are required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. Additionally, pursuant to **15 U.S.C. 1681c-2**, once provided with a police report regarding fraudulent charges on an account, you are **required to block the fraudulent information. ** Your failure to take action constitutes a clear violation of federal law and the Consumer Financial Protection Bureau ( CFPB ) regulations. Due to your continued noncompliance, I am formally requesting that the CFPB investigate TransUnions failure to adhere to federal credit reporting laws and impose significant fines for your repeated and willful violations. I expect your immediate action to remove the unauthorized charges and to provide written confirmation within **15 days** Under **15 U.S.C. 1681n and 1681o**, TransUnion is liable for willful and negligent noncompliance, and I am fully prepared to take legal action to recover damages, including statutory and punitive damages. If you fail to comply, I will escalate this matter further by submitting an additional complaint to the CFPB and other regulatory authorities, urging them to impose substantial penalties for your disregard of federal law. 
I expect your prompt attention and resolution of this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently. 
I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but Experian is continuing to post one account from XXXX XXXX. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

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 card or prepaid card

I used vanilla gift card in gas station in XXXX and machine declined the transaction after XXXX minutes the transaction was done and I did by phone dispute and asked to stop the transaction vanilla told me was done I back to gas station to know the transaction was done told me no and back again to vanilla and did another dispute and vanilla told me the time was done with dispute and refused money back XXXX $
Product: Checking or savings account

Had a total checking account with Chase that was closed in XXXX of 2023 due to a suspected " bad check ''. I attempted to deposit the check for a relative, upon depositing the check into the checking account the account was immediately frozen and the check was placed on hold. A few days after the initial deposit Chase informed me that the check was unable to be verified and the account would be closed. The funds were never released into my account and the money that was in my account prior to the deposit was mailed to me weeks later. Chase has not informed me of why the account was closed the check was never deemed fraudulent nor where the funds released to me. Chase will not allow me to open an account but have made this information apart of my banking history. Please have Chase provide communication on why they have placed this information on my banking history preventing me from opening an account for a check that was never verified as being fraudulent. Any information that is on my record needs to be removed and provided in writing that it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I've sent multiple letters to the consumer reporting agency informing it that the agency is not abiding by the standards of consumer credit reporting. I've attached a copy of one of the letters for reference, but I'll just give a couple examples. 

First, I never authorized or validated for your agency to have any name other than the name that appears on my government ID and social security card. The same goes for my address, which is all stated in my letter as XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX, PA XXXX. Also, I can only have one birth year. Your agency has my birth year as " XXXX '' when my actual year of birth is XXXX. 

In regard to the accounts, I noticed the items listed, such as XXXX XXXXXXXX XXXX ( collection/ charge off ), the date opened is inconsistent and base segment character field XXXX " First date of delinquency '' is not present on the report which is mandatory for collection accounts. This is just one example of the failure to meet credit reporting standards set in place. Please review my letter in entirety as well as conduct a re-investigation.
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 XXXX Account Number : XXXX and 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: Debt collection

On XX/XX/XXXX, I received a debt collection bill from TSI regarding a medical debt way back from XX/XX/XXXX. This medical debt is not mine and it may be a result of ID theft. Ever since XXXX, our family have been a low-income family with Medicaid and food stamp assistance from the state. With 0 copay Medicaid, the medical debt could never occur because XXXX would cover everything. In addition, I have never been to hospital for any emergency for over 10 years. I have no idea who they saw in the hospital and I have no idea why the bill comes due 4 years later. Anyway, my family doctor and the XXXX  can testify for me that I have been using the Medicaid with no copay ever since XX/XX/XXXX. XXXX XXXX card and records can also prove that we have been using Medicaid from XXXX. Ultimately, the attached letter from XXXX and people in XXXX department can testify for us that we have been a low income family with Medicaid and food stamp ever since XXXX. In addition, we have been using WIC for low income family ever since XXXX. Also, we just renewed our Medicaid this year. Nothing to be proud of, but we think it is solid proof that the debt can not be mine because I have Medicaid with no copay. With that, medical care would come with no cost if I present my insurance card or my benefit letter. Or I can even claim it later with XXXX. There is no reason I would not use Medicaid and bite the bullet to pay the bill. It would not help me and my financial situation. In brief, this medical debt is not mine because I have Medicaid with no copay and I have never been to a XXXX emergency for over 10 years. 

When I contacted the collection company, they kept insisted that the debt is mine and they showed no interest in working together for a fair solution. Please help us out with resolving this unfair debt. With our current low income, this can create a difficulty in our financial situation.