23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ability Recovery Services has violated FDCPA by reporting a debt they could not validate to credit bureau 's. Ability Recovery Services is using a false instrument to collect a debt that does not contain my signature. I would also like to point out that the instrument they use is also a contract of an agreed XXXX months which I have already have submitted proof of payments. They have also reported to XXXX " Status as of XX/XX/XXXX - Unpaid : Date of 1st Delinquency XX/XX/XXXX ''. I have enclosed 'FACT ' information to their 'Delinquency claim of XX/XX/XXXX ' that it was paid the month prior and after XX/XX/XXXX. 

Since I 've contacted Ability Recovery Services of their shady practice of submitting a false instrument to collect a debt they have ceased contact with me but the information still remains on my credit report. 

I 'm submitting FACTS:1. A contract that does not contain my hand writing signature2. Proof that I paid for services of the two months in the contract they submitted. 
3. XXXX Report containing delinquency they reported as of XX/XX/XXXX, along with my proof of on time payments of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As i have looked at my report for years i continue to see incorrect information on my credit. This misrepresentaion has caused my family and I to be denied credit from multiple institutions. Equifax which is widely known for there bad business practices continually gets away with not being held accountable by the CFPB or any other agency that should protect the rights of consumers. 

Again this account should be removed immediately from my file. I have sent several disputes to Equifax without any results of what I have asked for. If the CFPB is not going to hold the credit bureaus accountable, why does it exist? 

Please review the incorrect information amd remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report that violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA ). These errors are negatively impacting my creditworthiness, and I demand immediate corrective action.

These debts have not been properly validated. Under 1692g, a collection agency must provide validation of the debt within 30 days of my request. I am formally requesting the following : Verification of Debt : Provide written verification showing the origin of the debt.

Itemization of Debt : Include a detailed breakdown of the principal, interest, fees, and other charges, along with an explanation of how the amount was calculated. Proof of My Liability : Provide all documentation proving the debt belongs to me, such as signed contracts, billing statements, or original agreements.

2. Fraudulent Accounts : The accounts listed above do not belong to me. I have never incurred debts with these companies, nor have I signed any agreements or authorized the use of my name.

Any continued reporting or collection of these debts without proper validation constitutes a violation of the FDCPA and FCRA.
Product: Debt collection

This debt was sent to a collection agency, which I paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$980.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}, XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. In TransUnion 's letters dated XXXX/XXXX/16 and XXXX/XXXX/16, they state " If interested, you may also request a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' I have requested this information more than once and they will not provide it. If this does not get removed, I will file a complaint with the Federal Trade Commission. TransUnion is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX has now closed this account because they recognize they can not validate it. Obviously, TransUnion is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement. As you can see in the attachments, Santander just settled the case in XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this.
Product: Mortgage

City National Bank did not provide the CRA Public File in a timely manner ( 5-calendar days ) as per Regulation BB 228.43 ( c ) ( ii ). This occurred between XXXX XXXX and again XX/XX/XXXX. 

Additionally, substantial parts of my complaint were not placed in the Public File under Comments as per my request and per Regulation BB 228 43 ( a ) ( 1 ). I learned this when I again requested the CRA Public File XX/XX/XXXX. 

The CRA Officer XXXX XXXX merely referred me to the Public Evaluations online and said " pretty much everything you want is in there. '' When I continued to plead for the entire Public File, he said I had to come to the Headquarters Branch, that he could not produce the files electronically. I explained that the spirit and intent of CRA was to make information available to all consumers by reasonable accommodation and explained a scenario that if I was low-income, without a car, and XXXX and couldn't ride the bus, this should not preclude me from exercising my consumer rights. This conversation string of emails and my scenario were omitted from the Public File and I believe this should be visible for all to see in the Comment File.

I urge you to ensure proper violations of law are cited against City National Bank and appropriate ramifications enacted so others do not have to ensure this inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX 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

I have contacted the goldmansachs on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to XXXX   ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg XXXX and both times they maintained my balance was {$2400.00} but when I spoke with goldmansachs they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX according to XXXX a goldmansachs specialist, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I mailed certified letters to XXXX. XXXX and TransUnion asking to remove inaccurate personal information and update my current accurate information stated on my ID w2 and bank statement. On XXXX I received a letter from XXXX stating they thought a 3rd party requested it. Ive called 5 times on hold for over an hour
Product: Mortgage

I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.
Product: Checking or savings account

Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3200.00} and was paid via XXXX. XXXX transportation tried to make a false claim for {$3000.00} to get money back that he sent me and was denied because Bank of America was able to find that he authorized the XXXX  payment. Now in XXXX, XXXX Transports submitted another claim for {$3200.00} which resulted in a hold being placed on my account for the amount of {$3200.00} even though he was already denied in XXXX for authorizing the payment since they found proof that he received and authorized the verification codes sent to his phone to send me the {$3200.00} payment. I have received false information from numerous agents. One agent told me his claim was going to be denied and they were going to release the hold today ( XX/XX/XXXX ) only to see the hold posting on my account as ( XXXX XXXX XXXX XXXX XXXX ). The next agent stated that his claim was successful and the only thing I can do is take legal action, and the last agent I spoke to stated that even though the amount posted, it still is under review and will most likely get denied once they find out that he authorized the payment using verification codes sent to his phone. I don't know which agent is correct which is frustrating and since they already proved that he did authenticate the XXXX  payment in XXXX, I need Bank of America to release the hold on my account immediately! This is negligence on Bank of Americas part to let a fraudulent claim go through to put a hold on my account since he was already denied and sent verificaiton codes to his phone to pay me for the XXXX!
Product: Credit card

I was on long XXXX for almost a year. I contacted Capital One to utilize my protection coverage while out of work. During this time, they never applied it to my account and I incurred lots of late fees, over the limit fees, etc. After speaking to over 20 customer service representatives, I finally reached one that said that I should of also been enrolled into the Specialty Assistance program in which I could make any amount of minimum payment and would not incur interest or late fees. I was removed from the program because I disputed a late payment and had to keep calling to get the fees refunded. By this time, my account is in a restricted status. The representative also advised me that once my account was under the limit, they would unrestrict my credit card. They said to keep making payments on time and then apply for another card. My account is still open, current, under the spending limit and they will not remove the restricted status so I can use my credit card. I am paying on time and no late payments but they still want me to pay it and not be able to use it. They said I needed to wait until an offer came available. Another representative advised me that if I had an emergency, they could lift it. At the time, I did n't have an emergency but I remembered and documented that call. Then a few months later, an emergency came up. My family and I is from XXXX XXXX and I needed to help get supplies and rent a car so I contacted with my concerns and emergency because they advertise being big supporters of it. I stressed to them my family was severely affected by Hurricane XXXX and some lost everything and I needed the available credit on my card to be released.
Product: Vehicle loan or lease

I had a loan with welsfargo auto and they charged me for comprehensive collateral insurance just before I finished paying the note off. I proved that I continued without fail to have auto insurance by having a notary signed document submitted by XXXX XXXX insurance and they refused to take the fees off and sent someone to get the vehicle. I was later sued by XXXX XXXX and XXXX for damages on the same car. I won that case by submitting the original answer about the documents sent proving I had insurance and they had no right to charge me fees. I saw about the lawsuit and want to know if I am eligible.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$28000.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 Credit9 sent cash disbursement check {$31000.00} as a consolidated loan. When I called they requested personal information which included my social security number. However I think this was a scam to get my personal information because they no longer communicate when I call XXXX and there was no such loan. Im afraid what this company will do with my personal info especially my social security number.
Product: Student loan

I contacted Firstmark several times over the past 5 years to request relief options, forgiveness due to XXXX, and deferment or forbearance. I was told that I have no options except to let the payments accrue and the loan be charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Mortgage

So last year XX/XX/XXXX I refinanced my home to get money out to fix on some things needed and my mortgage bank Rocket Mortgage and XXXX were both handling my payoff and 2 lien which was XXXX from XXXX. XXXX I was asked about the XXXX and I was told from Rocket Mortgage that the XXXX will be included paid off and still I will get XXXX in pocket, so I agreed because I wanted to get rid of the XXXX and have money in my pocket. So this year XX/XX/XXXX I decided to sell my house and buy another house. My realtor informed me that someone wanted to buy my house so I agreed of course and we did the necessary paperwork and Rocket Mortgage was also contacted as I was super excited to move on. Well the title company XXXX XXXX XXXX XXXX contacted me and informed me that Rocket Mortgage and XXXX never did what they said they did with the XXXX. Wow this was a nightmare that I never wouldve imagined so the title company contacted Rocket Mortgage and AmRock to find out that XXXX was just a notary company that serviced me when I refinanced my house and Rocket Mortgage wrote down some incorrect information on paper that wasnt true so when I confronted Rocket Mortgage my bank guy XXXX immediately said he dont know what happened because he dont deal with that department as I trusted him as my to go to person who was the one who put my refinance in motion and now he says she dropped the ball and so sorry because he thought the XXXX was paid in full as he and I discussed. So I closed on my former home XXXX XXXX and all I got was calls from Rocket Mortgage saying hey you need to pay that XXXX and payoff this mortgage as they had no accountability whatsoever. I spoke with XXXX and another Rocket Mortgage person name XXXX and they wasnt concerned about their XXXX up and I just told them listen Im homeless now because the XXXX balance that was owed to XXXX is now deducted from my proceeds and extra XXXX totaling XXXX that I was supposed to have to put down on my new home but because of Rocket Mortgage and AmRock Im sleeping in my truck with my dog and on my parents couch. I need for Rocket Mortgage to accommodate me big time as I dont have a roof over my head.
Product: Credit card or prepaid card

I recently looked at my report and was quite shocked to see a late payment reporting in XX/XX/2019. I am not sure how this occurred. I believe I made my payment to you when I get the bill. My only thought is that I never got a bill.
Product: Debt collection

Velocity Investments , LLC i dont know what alleged debt i owe you and why you have been attmepting to contact me
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX