23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

On XX/XX/2017, I sent a dispute for investigations to the credit bureaus regarding an alleged debt that was mysteriously added on my credit reports without ever receiving a dunning letter. I then received a response from the credit reporting agencies the debt is accurate and if I had additional questins/concerns to contact Fair Collections & Outsourcings at their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

On XX/XX/2017, I proceed to send Fair Collections & Outsourcings a letter requesting validation of the alleged debt they are reporting on my credit reports. On XX/XX/2017, I received a " settlement '' letter and a generic lease from them, both dated XX/XX/2017. 

On XX/XX/2017, I filed a complaint with CFPB, and received a response from Fair Collections & Outsourcings on XX/XX/2017 stating that they do not own the debt and that the original creditor does. 

On XX/XX/2017 at XXXX, I contacted the alleged original creditor that they are reporting as XXXX at XXXX, I googled the company. I spoke to XXXX who stated that she did not have an employee number. XXXX stated that she did not have any information with my name and last XXXX of my social which I provided to her. She then provided me with the number XXXX stating to contact the number which is for " former resident of XXXX ''. 

On XX/XX/2017 at XXXX, I called the number XXXX, a recording came on stated that : " due to high call volumes, they recommend to email them or leave a message ''. I then proceeded to leave a message saying that the message is for XXXX and to contact me. 

On XX/XX/2017 at XXXX, I received a call from XXXX and the representative stated that her name is XXXX XXXX from Fair Collections & Outsourcings and it is an attempted to collect a debt and returning my call, and continued to ask how would i like to make a payment? I informed her that I did not request for them to call me so I am unaware on where she would get the idea to contact me when I specifically sent a certified letter to them on XX/XX/2017 stating to not contact me via telephone and to mail me out the validation of this alleged debt. I also requested that she send me legal documents showing that she and her company are indeed authorized to collect on this alleged debt that they have not been able to validate and stated that they do not own. She got agitated and raised her voice stating that she does not have to provide me with any documents that shows that she is authorized to collect on this uncollectable debt. 

In their response letter to my previous complaint, they stated that they did not respond to my validation letter because the account was " verified '' and I am in the mistaken belief that they own the debt. Their exact wording was : " As the account had been previously been verified and the consumer requested no further contact, a response was not made to the XX/XX/2017 letter. ''
Product: Mortgage

I had a mortgage with NewRez LLC c/o SHELLPOINT MORTGAGE SERVICING I refinanced my mortgage with another company. The date of the payoff was XX/XX/XXXX, on this date I had an escrow balance of {$700.00} I recieved an escrow refund check dated XX/XX/XXXX for {$480.00} with no explanation of where the missing {$220.00} is I have called multiple times and and spent about 3-4 hours on the phone talking to representatives from new rez and not one of them are giving me any numbers that add up. One representative ( XXXX ) was trying to say that my escrow account was negative for a short time and new rez put out money on my behalf and is now collecting it from my escrow account upon closing. When I called again after speaking with my loan officer who said I should call again and ask to speak with a manager. I called again and talked with XXXX XXXX who told me a completely different story that didnt add up either.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com about the lack of care and safety measures on my account, which resulted in substantial losses. 

Please see the attached PDF file containing all relevant documents and evidence, as well as my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my 3 in 1 credit report from Equifax Complete Premier Plan on XXXX XX/XX/XXXX. I was informed on the website that I could cancel at any time. I canceled after I obtained the report by calling XXXX. They had overcharged my card and they did refund my money at that time. I continued to be charged {$19.00} per month. I called on XXXX XX/XX/XXXX and spoke to XXXX to get the refund for the previous months and he stated that they must investigate this. He wants me to agree to a cancellation today. I have asked that they back date the cancellation to XXXX XXXX when I first called. I repeatedly requested for them to listen to the calls to verify my claim of cancellation and they will not do this over the phone. They have placed an escalation on this. I do not trust they will do the proper follow through.
Product: Debt collection

this was settled years ago but still shows up on my credit report as negative
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but experian is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Seventh Avenue is reporting a chargeoff on my credit file. When a company does a chargeoff the balance isn't owed to the company anylonger, yet Seventh Avenue is still trying to collect from me and has used a third party to do so. I never agreed to have my privacy violated by reporting my personal information to credit agencies and I never received any letter, electronically nor written stating an agreement was formed giving them permission to do so. The information, the address and telephone number are inaccurate on this report as well.
Product: Credit reporting or other personal consumer reports

MARINER FINANCE XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ MARINER FINANCE ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ MARINER FINANCE ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Jefferson capital is saying a XXXX year old debt that i dont believe is mine, is only XXXX XXXX XXXX due to me trying to dispute. I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, not government entities are receiving and reporting information that is denying me stability, housing, credit, and more. This is against the Privacy Act and I never signed for them to report any information. There are accounts that are incorrect, sure to be written off on taxes, and these merchants are trying to steal additional money from me. I disagree with all agencies reporting my negative information, I contest the accuracy of accounts, validity, whether written off on taxes already, also I contest all bureaus reporting are breaking the law. As, I did not consent to them reporting negative items, my address, name, XXXX, or anything that will cause me denial of credit, employment, housing, and or stability. This is against the law, Privacy Act, Lack of XXXX, XXXX Incorrectly, and mainly breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This company has stolen my personal identity and has used it to profit, without my consent. This constitutes an unlawful purpose. They are selling my private information without my knowledge or consent. Theyve refused to rectify the situation in any manner. Theyve refused to delete the unverified, invalid information. This is even after I made them aware of the discrepancies. Them taking and using my identifying information is a crime. I have no contract with them. I havent provided express consent for them to create or furnish any information about me. This has cause me significant damage and has restricted my ability to apply for credit.
Product: Credit card

Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property.
Product: Credit card or prepaid card

Interest rates went up soon as I open my account fees were outrageous before I knew it I hadd a outstanding negative balance from just a few purchases.
Product: Credit reporting or other personal consumer reports

Tranunion and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on my account.
Product: Credit reporting or other personal consumer reports

I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Im a XXXX XXXX and in XXXX of 2021 I asked/authorize the mortgage company to apply a little over {$4000.00} payment to the months of XXXX, XXXX and XXXX ; since I dont get paid until well into the month of XXXX. In mid XXXX, I started receiving texts and phone calls day and evening ( during work hours ) saying that I owed the month of XXXX. When I checked the bank account, they had taken a payment for XXXX then the {$4000.00} to apply payment for XXXX and XXXX and the rest was applied to the principal when I specifically said to apply to XXXX. I told them that they now needed to apply the little over {$2000.00} to XXXX and XXXX. They agreed and said it will be done in 10 business days. The calls about late payment continued and my phone calls to them telling them to stop and to apply that money to the monthly mortgage payments. Its been a month, I have spoken with numerous people and supervisors and nothin its been done. My account shows that I still owe the month of XXXX. Every time I call they say the cash in department hasnt done their job. Im running out of options and I feel helpless. They said they will not charge late fees but Im afraid it will affect my credit score. Now I just received an Early intervention letter because it shows in their system that I havent paid for 2 months. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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. 

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXXequesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both XXXX and Early Warning Services about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both XXXX and Early Warning Services to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response letters.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and XXXX has admitted that their breach was the cause which lead to someone else receiving my unemployment benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

49 FCRA VIOLATIONS UNDER ONE ACCOUNT WITH TRANSUNION ; TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 1ST ACCOUNT.
Product: Debt collection

ON XXXX XXXX XXXX  i sent a evolope to Experian XXXX and XXXX attached in that envolope 1.idenity theft report 2.Copy of lease agreement 3. Drivers license 4. Social security card 5.dispute letter using FCRA Section 605 ( b ) deals specifically with blocking information resulting from identity theft.
Product: Credit card

There are XXXX penalties on my credit report that I never opened. XXXX XXXX and Discover. I never opened these accounts and this FRAUD on my name. I want to investigate HOW these got opened in my name and how I can get these disputed and an investigation be done. These accounts were opened in XXXX  I was a high school student living with both middle class parents.
Product: Vehicle loan or lease

Hello, I had my car repossessed over a year ago by Prestige Financial. And now they are suing me for the loan. This was my first car and I didnt know I owed anything after they repossessed the car. I never got anything in the mail stating I owe, just a law suit. I wanted to to see how should I handle this issue