23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and concern regarding the repeated attempts to remove fraudulent items from my credit report. Despite providing clear evidence of fraudulent activity and requesting their immediate removal, these items persist on my credit report, posing a significant threat to my financial well-being. 

The fraudulent items in question include [ describe the specific fraudulent entries, such as unauthorized accounts, inquiries. I have diligently reported these instances of fraud to your agency and have provided all necessary documentation to support my claims. However, to my dismay, these fraudulent entries remain on my credit report, tarnishing my creditworthiness and causing undue hardship. 

I urge you to take swift and decisive action to rectify this situation. It is imperative that these fraudulent items be expeditiously removed from my credit report to prevent further damage to my financial reputation. I demand immediate confirmation once the removal process has been completed. 

Furthermore, I expect your agency to implement enhanced security measures to prevent similar instances of fraud in the future. It is unacceptable that fraudulent activity continues to infiltrate my credit report despite my efforts to safeguard my personal information. 

I am deeply troubled by the impact that these fraudulent items are having on my financial stability and overall well-being. As a consumer, I rely on your agency to maintain accurate and reliable credit reports, free from fraudulent entries that undermine my financial credibility. 

I request a thorough investigation into the handling of my previous disputes and an explanation for the repeated failures to remove these fraudulent items from my credit report. Additionally, I seek assurance that measures will be taken to improve your procedures for handling fraud-related disputes and to prevent similar occurrences in the future. 

Please treat this matter with the utmost urgency and provide me with a comprehensive response outlining the steps taken to address my concerns. I am asking for your assisstance to remove these fraud items in my credit 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 XXXXXX/XX/XXXX.
Product: Debt collection

I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the right to collect this debt. This was ignored, and a negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was arguing the debt was fraudulent and asking for a police report. This is an intimidation tactic and unlawful. 

This creditor violates the sending/ delivering of any form or notice that does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

Below the creditor did not provide the following ; Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s. The creditor has consistently sent me a bill unrelated to the list above, dismissing [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], requirements. 

So, I am not responsible for this debt, and this creditor is in violation due to a lack of due diligence under [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], of not providing the proper documents. 

The {$240.00} collections from Columbia Recovery Services are ordered to be removed from all three credit bureaus. 

Per 15 USC 1692b ( 2 ), XXXX XXXX XXXX XXXX violated my rights by sending me a letter stating that this was an attempt to collect a debt ; this is considered a violation. For this violation, 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological DAMAGES from this company violating me.

By 15 USC 1692b ( 5 ), XXXX XXXX XXXX XXXX has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This is considered a violation. 15 USC 1692k States any actual damage or { {$1000.00} } dollars fine. By 15 USC 1692, XXXX XXXX XXXX XXXX violated my rights by furnishing deceptive forms attempting to collect an alleged debt. This company still needs to validate this debt. XXXX XXXX did not send the proper documents to validate this alleged debt. I asked this company to send the verification method and my wet ink signature. P.S. This Collections is NOT Licensed to collect any debt in XXXX, XXXX.
Product: Credit reporting

The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX XXXX after closing, however, there is no record of that transfer in XXXX County, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure XX/XX/XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began XX/XX/XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX XXXX Servicer as a Debt Collector, refuses to close this and wipe the slate clean.
Product: Debt collection

I am being harassed regularly concerning a debt that is not mines neither did I authorize the responsible party to use any of my information to acquire this debt. I have written several letters to the comapny and have even talked to them letting them know the responsible party is not myself but my son who took out the loan and attempted to use me to get the loan for the alleged purpose of trying to go to some XXXX school. Because they can not reach my son and he attached me to his information they are attempting to come after me and to have me pay for something that is not mines nor did I authorize.
Product: Student loan

I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks
Product: Credit reporting or other personal consumer reports

This is the several time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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: Debt collection

A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XXXX I was alerted to a derogatory entry in my credit report by XXXX. I immediately filed a dispute : XXXX. Several hours later XXXX chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to XXXX cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing XXXX XXXX XXXX BILL PAYMENT Debit - {$1400.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1400.00}
Product: Debt collection

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Checking or savings account

I 'm trying to link my TDBank Checking Account to XXXX. They say that TDBank is not giving access to external apps, thus I call TDBank and they tell me that the know of XXXX and can assure me there are no blocks on that site. I call XXXX and they say the can not do anything to help me and that I must call my Bank. Please help, this is one giant circle of getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian.com to delete my login from their website and they said the following : " Due to our internal retention policies, we are unable to comply with your request to remove your personal information from our system. " There have been several data breaches reported with this company. My data is NOT safe with them and I have had issues with suspicious emails and addresses linked to my information before. 
XXXX XXXX XXXX They are known for requiring multiple emails to get accounts cancelled : XXXXXXXX XXXX XXXX There are XXXX reports of having account with them being a liability as a thief can go thru their customer service to unfreeze credit score and there is no 2 factor authentication for this kind of thing. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failure to correct these inaccuracies constitutes noncompliance with federal law. 
Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories. 
Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees. 
Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies. 
Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account. 
Remove the inaccurate late payment entries from my credit file. 
Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ). 
Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit card

In early XXXX, after contacting the XXXX XXXX XXXX, I visited Capital One to close my credit card due to theft. Despite my efforts, the account remained open, and fraudulent transactions occurred until late XXXX. Subsequent fees and surcharges accumulated into a debt, even though the balance was {$0.00} when the card was stolen. This ordeal lasted 18 months.
Product: Debt collection

Rental debt was reported on my credit report. I left the complex in XX/XX/XXXX. Upon leaving, I gave the apartment complex my forwarding address. I also turned in my keys. Fast forward in XX/XX/XXXX I looked at my credit report and saw that the amount of {$3800.00} was sent to collections. I called the apartment XXXX XXXX XXXX XXXX around XX/XX/XXXX and asked them about the debt and they told me that I needed to call the collection agency ( National Credit Systems ). I called the collection agency asking about the breakdown of the debt and she became very rude. She finally told me she would give me information to dispute the debt.I also told the collection agency that I never received a notice from the apartment management company concerning the debt or a letter from the agency. When I asked what address the notice was sent to, I was told the address at the old apartment. The company then asked for my new address. I gave them my new address. As of XXXX XXXX. I have not received a notice from them. I also contacted them and was told that I had to talk to that same representative. It has been a week and she still hasn't called me. I am currently disputing the debt with the credit bureaus.
Product: Debt collection

My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.
Product: Credit reporting or other personal consumer reports

I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. Experian, XXXX XXXX XXXX XXXX are reporting inaccurate late payments with XXXX XXXX XXXX for XX/XX/XXXX and XXXX XXXX  acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from XXXX with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between XXXX and I, the consumer. Payments were never late, they were deferred due to this program.