23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents. 

Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail. 

They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Product: Debt collection

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/XXXX and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
Product: Credit reporting or other personal consumer reports

I am writing to request validation of a debt listed on my credit report. The debt appears on XXXX, and experian report, {$160.00} Open balanceXXXX Original creditor Opened XX/XX/2023 ( XXXX mos ), and {$1000.00} Open balance XXXX  Original creditor Opened XX/XX/2023 ( XXXX mos ) XXXX XXXX XXXX XXXX, amount {$2500.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt. I request the following information : The original contract with the original creditor bearing my signature. 
The original payment history from the original creditor. 
Proof of debt assignment, including the date of assignment or purchase of this debt. 
Please note that failure to provide this information within 30 days will result in the removal of this debt from my consumer credit reports. The presence of this disputed debt is adversely affecting my creditworthiness and impeding my ability to access credit facilities. 

I kindly request that you promptly investigate this matter and provide the requested documentation within the stipulated timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are inaccurate and I did not authorize on TRANSUNION CREDIT REPORT after I notified them and sent report back in XX/XX/XXXX and kept following up with them : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of last year somebody opened up a XXXX account under my name I immediately contacted the bank that issued the account and they canceled it within an hour and a half of it being opened a hard inquiry went on my credit report through Trans Union Trans Union was notified by XXXX XXXX XXXX  that it was a fraudulent account taken out without my knowledge and I was not responsible for it and it was closed and to take off the hard inquiry on my credit report more than a year has gone by and Trans Union still has done nothing to remove the hard inquiry from my credit report
Product: Mortgage

Ocwen Loan Servicing , LLC ( www.ocwen.com ) changed payments in XXXX 2016 without providing detail supporting the change. I continued to make the original payment. Now that detail has been provided, I called XXXX to make the payment to account # XXXX but the telephone message said that the account number is invalid. 

There is a payment address of Ocwen Loan Servicing , LLC XXXX XXXX XXXX in XXXX, XXXX XXXX. This address differs from the previous address for all payments of {$160.00} have been sent for more than 3 years. The previous address that my bank has been sending payments is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. All regular payments were to be sent there. 
Which address is correct? Why does n't the account number work? We want to pay but not if they will not recognize the account number.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Transunion consumer report, and I noticed some late payments posted on my consumer report XXXX XXXX XXXX XXXX XXXX Days Late Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Transunion is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Transunion written instructions to furnish this on my report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update the above late payments to paid as agreed NEVER LATE on my consumer report, this agency is in violates 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EQUIFAX have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 
4. Restore my internet access to the account. This is important to me as I currently live XXXX. 
Please respond to me at ( left out ). 
Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. 
-- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Experian 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I recently contacted Capital One couple of months ago for a replacement card, thinking i'd lost my wallet. More recent conversations took place XXXX XXXX and XXXX.Which is when I learned about my account had been closed ( permanently ) except to make payments. After a few phone calls made to them going back and forth ( even writing them a letter regards to there must be a mistake ), but to no avail. I prompted an initiated an investigation. And it wasn't until then that they said they'd look into into.Said they would contact me back in ten days. So I marked my calendar including and excluding the weekends to assure my prompt attention. But no call came.So I contacted them back.And they implied they had called. Since they could not provide me with any more information other than claims of what was owed.I asked them could they provide me a copy of the transaction or transactions they were looking at because I didn't have a clue? He stated he could not.Because that was his information, however I could send them my information to prove myself.I told him I'd been with XXXX XXXX XXXX since 2003 and in good standing.Therefore I wouldn't do nothing like this.My only fault is not reading my statements.Because I just felt i just needed to pay my bills.He then put me on hold to see if he had the authority to provide me more information, then came back and asked me how many banks I did business with? I informed him only XXXX XXXX XXXX and my Capital One card.He gave me a name of a supposedly bank called XXXX or XXXX. There was a charge for over {$500.00} made to my credit card in this past XXXX, Capital One explained to me.And I'd just started working XXXX the XXXX.? Which I looked it up and then called them immediately.The number Capital one provided me was XXXX.The recording stated there were 989 people ahead of me! Thinking this was a glitch, again I called the next day and the same thing. Now I'm not sure what's going on. But I don't know anything about these charges and want them removed. Also I'm having problems getting other credit cards because of this.I don't do stuff like this, I just went to XXXX  school to attempt to make a better life for myself two years ago.And I don't fault Capital One for being in a position to have to do this, but I didn't do this.However i want this fixed.Investigate and give another chance because of my paying history, and I'm trying to get justice. I'm not a computer savvy person, I wouldn't know how to do nothing like this. ( not that I'd want to )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed a hard inquiry on my credit report for a credit card application from Barclays Bank Delaware. I had not sent an application and promptly contacted Barclays bank that day. I was told I had made this application but I was able to prove I had not. Barclays agreed it was fraud and they would cancel the application and mark as fraud. I heard nothing until XX/XX/2023 I received a letter from Barclays Card services wanting more information for my Frontier Airlines Mastercard. I again contacted Barclays who said they have no record of this application, I read the application # XXXX to them which they accepted and said that application was cancelled. I informed I had a hard inquiry from them on my credit report that was identified as fraud and needed this inquiry removed from my credit history. I was told this was my responsibility and I could sent documentation to initiate a investigation. They had in their record that the app was fraud but insisted my credit report was my responsibility and all they could do was investigate to determine status. I need inquiry removed from credit report.
Product: Debt collection

I am unemployed due to covid-19 and thought they had to wait til XXXX to call everyday and ask me to pay. Well they are and I feel they should be fined for breaking an executive order from the POTUS. They are asking me to borrow money from others to pay them. I am actively looking for a job and have intentions of setting up a payment agreement when I obtain one. However, being called and harassed about my loans when to my understanding, they should NOT, is not okay. I ask that you PLEASE, at the very least ... tell them to stop. It is hard enough stressing about the ability to pay for rent and food and receiving daily phone calls about a school loan makes me feel even worse. Nobody wants to be behind on bills. Nobody wanted Covid-19 to happen. Please help. The company 's name is Great Lakes/XXXX.

Thank you
Product: Credit reporting or other personal consumer reports

I am a XXXX college student that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid officer next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a college student, living on campus. The accounts were open fraudulently.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

upon reviewing my credit report, I discovered this collection on my credit report that I did not recognize.I contacted the credit bureaus to to remove this off my credit report. Unfortunately, the credit bureaus refused to remove it off my report.This issue is causing undue stress and is negatively affecting my financial standing.
Product: Debt collection

This debt is for an apartment that upon moving into the unit there were plumbing issues, and the apartment was not up to code. The unit was being paid for by XXXX XXXX as I am a veteran. Upon learning of the living conditions my case manager with XXXX XXXX advised me to speak with the apartment manager and get the issues with plumbing resolved or I was entitled to move out free of penalties or any kind of damages to my rental history. Spoke with the apartment manager and she agreed to allow me to move out. I only lived in the apartment for a matter of less than 10 days and all the time I lived there was paid for with the veteran rental assistance program with XXXX industries who guaranteed 100 % of the rent while in the program. No damages were left to the property, fulfilled agreement with apartment manager. Now this is affecting my credit and rental history and it is completely unacceptable. If this is not removed from my credit, I will be seeking legal action against all involved parties. No formal eviction process was filed, and no financial responsibility whatsoever from the court systems were assessed at anytime.
Product: Mortgage

We went through a foreclosure /modification under the auspices of XXXX County Court in XXXX XXXX New York . Several things happened during this process that we feel were not right. First off Di Tech had held 5 months of payments in Suspense while filing a foreclosure action against us. They did not acknowledge having the money until we brought it up in court. Then miraculously the money over ( 10,000.00 ) was returned to us. After much grief and stress we were finally offered a modification plan still with an exorbitant amount of interest for these times ( 5.375 % ) and we made our trial payments. The referee ruled we had to wait for the bank to put the mods in place a process delayed for no apparent reason by the bank for 2 months until the referee ordered someone to appear before her if this was not done later in XXXX I believe. Our modification period ended in XXXX and we were just making payments as we were told. All of a Sudden XXXX bill came in with additional charges of 300 plus dollars for " Legal Fees " we stated we were told that these fees were what was added into the loan because over 35K was added back to our loan. We were told in Court that these fees were the money we were waiting for them to add on to the mortgage to come up with final numbers. We got these final numbers which was not until XXXX or XXXX. Then in XXXX we get these additional charges and when we called Di Tech they said more would be added in XXXX. We have deducted this 600+ dollars from our payments and told them this money should have already been included in the numbers and at this point if it wasn't it was their loss. 
Today I received a response from Di Tech and the Representative was nasty and said well then they will just add them on to the end number and I said they have already been added in and if they did we would surely be in court again.