23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt that I do not owe has been sent to PDM Debt Mediation against me by my former landlord, XXXX XXXX. 

I was XXXX of XXXX tenants living at XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX in XXXX. In XXXX XXXX, my co-tenant hosted a party at the apartment. My understanding is that various property in the apartment was damaged during a fight that occurred during the party. However, I played no role in the party or the fight and therefore owe no responsibility for any damage resulting from the fight. 

Additionally, in XXXX XXXX, shortly after the incident, the landlord of XXXX XXXX told XXXX of the tenants, XXXX XXXX, that every tenant in the apartment needed to move out within three days, or XXXX/XXXX/XXXX. Verification of this is submitted here in the form of a letter sent to me by XXXX XXXX, the Leasing Consultant for XXXX, dated XXXX XXXX, XXXX. At the time that I was informed that I needed to vacate the premises, there were still roughly 9.5 months remaining on the one-year lease, which was set to expire on XXXX/XXXX/XXXX. 

I interpreted XXXX XXXX 's letter to mean that I was being evicted from the property by the landlord. Within three days, I vacated the premises by surrendering the keys to the landlord in compliance with the landlord 's order. Shortly after this, I received a letter from XXXX XXXX informing me that I would be charged {$22000.00}. 

I would not have moved out of the apartment had the landlord not told me that I was required to. Instead, I would have discussed with the landlord various ways of paying for the damaged property and then would have sought to be compensated by my co-tenant who was responsible for the damage. 

However, the landlord simply kicked me out of the apartment and pre-emptively charged me the remaining balance of the lease more than 8 months before the lease was set to expire. This deprived me the opportunity to mitigate my damages. 

Under New Jersey law, a landlord is required to mitigate damages regardless of the reason why a tenant vacates an apartment. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ). In this case, the landlord clearly did not mitigate damages ; she simply sent me a letter stating that I owed the remaining balance on the lease even though at the time the letter was sent, there were approximately 9 months remaining on the lease. 

Additionally, I believe the landlord wrongfully evicted me from the apartment. Under New Jersey law, a landlord must give at least 30 days notice before telling a tenant to move out. N.J. Stat. Ann. 3A:18-61.2 ( b ), 2A:18-61.1. In this case, however, I was told I had three days to get out.
Product: Debt collection

I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.
Product: Debt collection

I 'm getting daily calls regarding the debt of a loan my older brother took. However, I do n't live nearby and I do n't respond for my brother 's actions. No matter how much I 've told them to cease calling me, they do not comply and continue calling.
Product: Mortgage

Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I contacted Rushmore servicing concerning the increase in my mortgage payment ( {$850.00} ) to ( {$870.00} ), and they responded that " It was a pass due late fee ), I brought to their attention, that my mortgage payment was made before the XXXX of XXXX, and the late fee for XXXX was included in my XXXX 's payment, therefore I should not be charged an additional late fee at all, until after the XXXX of the month. 

I have noticed many additional charges on my mortgage account, and when I question them, I'm told to " submit a ticket, and someone will respond within the next thirty days. '' When they respond, the issue is never resolved. They keep giving me a lot of " conflicting answers '' from different agents within Rushmore Servicing. 

I find myself submitting a ticket every other month, and this shouldn't be the case.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. I'm also aware that Experian has been sued by the CFPB. This makes me question the validity of my previous investigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX CONSUMER ADJ CO Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor.

* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Credit Collection Service Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. I just looked at my credit report today, XX/XX/24 and I see that Credit Collection Service Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes.

Specifically, Credit Collection Service Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. Credit Collection Service Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. Credit Collection Service Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. Credit Collection Service Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. Credit Collection Service Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Credit Collection Service Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if Credit Collection Service Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Credit Collection Service Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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 XXXX Account Number : XXXX - {$130.00} - exp 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Am Withdrawal {$400.00} XX/XX/XXXX at XXXXXXXX XXXX Atm Withdrawal {$400.00} XX/XX/XXXX at XXXX XXXX Atm Withdrawal {$200.00} XX/XX/XXXX at XXXXXXXX XXXX  Am Withdrawal {$200.00} XX/XX/XXXX at XXXX XXXX Am Withdrawal {$100.00} XX/XX/XXXX at XXXXXXXX XXXX  Am Withdrawal {$100.00} XX/XX/XXXX at XXXXXXXX XXXX Am Withdrawal {$100.00}
Product: Credit reporting or other personal consumer reports

My fianc and I had set up an account specifically for our honeymoon fund. After our honeymoon, we transferred the funds into our money market account. Subsequently, a bill was paid, which caused a negative charge to be posted to our account. Unfortunately, we were never notified about this, and we were unaware that the account had gone into delinquency. XXXX claims they sent 3 letters, and I have the XXXX informed delivery emails as evidence to support that we did not receive. 

We recently got married and are in the process of purchasing a new home. When I visited the bank to request new cards and inquire about a mortgage, I was informed that our account had been locked and closed. There had been no communication from the bank regarding this issue, and the account was reported to the credit bureaus, even though I made an immediate payment to resolve and was assured this issue was out to rest. 

I called Lake Michigan Credit Union, and was advised to dispute the issue with the credit agencies, which I did. However, the credit agency informed me that I need to resolve the matter directly with the bank. 

We are currently in the process of building our dream home, and this negative mark on our credit is severely impacting our ability to secure financing. I have maintained excellent credit throughout my life, with no history of late payments or delinquencies, and this situation is truly disheartening. We genuinely did not realize there was an issue with the account, and it was fully paid off before it was reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Equifax Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same Kay Jewelers also known as Sterling Jewelers. Kay Jewelers put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. XXXX XXXX XXXX opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. XXXX XXXX XXXX knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. XXXX XXXX XXXX are fraudulently opening up new collection accounts under a different name. Kay Jewlers and Sterling Jewlers are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC has been reporting defamatory items in a consumer report about me, along with my private, personal information and my personally identifiable financial information for years without my consent or permission. I've tried on NUMEROUS occasions to have this issue resolved, and they refuse to assist me in correcting this matter, and they choose to continue to blatantly disregard my privacy and defame my character and credit reputation.
Product: Checking or savings account

On XX/XX/2022, someone stole my identity and possibly my debit card information and walked into a Wells Fargo branch in XXXX, GA and was allowed to withdraw XXXX $ from my savings an account. Wells Fargo will not refund my stolen money and termed this incident " customer negligence '' in that I was unable to determine who, what, when and how my identity was stolen. This is truly unacceptable as I know the money is insured, but yet I am being treated as if I am responsible for this fraud or possibly aware in that the signature on the stolen ID " matches the signature on file '', according to Wells Fargo. Therefore, I have obtained a police report here in NC as well as Georgia where the crime occurred so they may pursue further investigation and perhaps obtain, documents, records, and/or footage of the transaction in question.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters and tried to call company so they can verify the information in question and have not gotten a response.