23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice via USPS dated XX/XX/2023 from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with Navy Federal Credit Union. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. 

Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors XXXX XXXX XXXX XXXX, XXXX must give me the allowable time to dispute the debt in its entirety or partially. The first notice from XXXX XXXX XXXX XXXX, XXXX stated that I have until XX/XX/2023 to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

We went to a local credit union today to open an account. While opening the account the credit union employee told me that Experian had XXXX social security numbers under my name. I called Experian to fix the issue and could not get anyone on the phone, it was eternal automated support. It was an experience I care to never repeat, I just wanted to get the error cleared up.
Product: Debt collection

I had a payment plan which was being upheld with XXXX XXXX who decided to turn this over to Americollect Inc-a collection agency. XXXX is notorious for doing so without notifying the customer or having a reason as they don't like debts to stay on their books. 

I called Americollect on XXXX and told them the story and asked for them to send back to XXXX and they refused..all business to them, but untrue and damaging to my credit. 

I am now paying Americollect as agreed. I was told that the account will go to the credit bureau even if I am paying and I asked how to avoid this unless I missed a payment. I was told they could not work with me on this. On XXXX, I contacted them again and asked for this to not go to the credit bureau and XXXX told me she was going to send a credit bureau form to request removal once this does go on ; at that point they would approve it and take it off. The form was supposed to be her within a week and I have not received it nor do it seem like I will. This agency is not trying to work in good faith at all.
Product: Credit reporting

My credit report of my child support status amounts are inaccurate and very unfair to be reported on my credit reports as being unpaid or late payments. I am XXXX and have been so since XXXX XXXX, XXXX according to Social Security standards, my daughter was receiving payments from my XXXX from XXXX of XXXX until she turned XXXX in XXXX. In XXXX of XXXX I was told by a judge to have her placed on my benefits and was done as informed. However, I have noticed that on my credit report there has been a constant report of erroneous information basically identifying me as a XXXX. I believe this to be an unfair credit report and extremely hurtful to me on behalf of my credit. Today I have noticed that this error is still reporting on my credit report and I am asking for this matter to be corrected and a stop be put to this unfair credit practice as described by the equal and fair credit reporting agency. Thank You, Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

AD ASTRA RECOVERY SERVICES , INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The Office of Registered Agent for AD ASTRA RECOVERY SERVICES , INC. 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash XXXX  is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Never apply for a personal credit card from capital one on XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!
Product: Debt collection

XXXX XXXX put a {$3100.00} hold on my bank account for a judgment that was awarded to XXXX XXXX in XXXX  I didn't receive any letters or any certified letters about a court date in XX/XX/year> it's now XXXX years later past the XXXX  year statue of limitation in Pennsylvania
Product: Other financial service

Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX just appeared on my credit report. I have never heard from or of this company. They posted an unvalidated account on my report without the following... 
1. an account number A past due amount A credit limit 4. A payment amount I don't know where or how they obtained this erroneous account
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a fruadulent account.I sent all the necessary information needed in order to have the account remove.All three credit bureaus ( XXXX, Experian, and XXXX ) remove this from my credit file.After a month later it was reinserted by XXXX and XXXXI wasn't notified about the reinsertion within the 5 business days which required and no information at all.
Product: Credit reporting or other personal consumer reports

My mortgage company ( NewRx/Shellpoint appears to not report all my payments to credit bureaus. I first learned of this XX/XX/year>. I've been in contact with both mortgage company and credit bureaus. Credit bureaus say they are NOT receiving payment information from mortgage company. Mortgage company is blaming credit bureaus for not accurately keeping up with reports of payments. I've paid all payments however credit report says no payment since XX/XX/year>. I work really really hard to pay all my bills without lapses. Please help me find the problem of my credit report staying up to date. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple FTC reports to Equifax XXXX XXXX XXXX. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my report.
Product: Credit card or prepaid card

On XXXX XXXXXXXX a credit card from Nordstrom/TD Bank USA was opened in my name with my social security number. On XX/XX/XXXX I noticed it on my report and I have notified Nordstrom, and the major credit bureaus.
Product: Checking or savings account

Re wells Fargo bank response to me on the phone yesterday XX/XX/XXXX at XXXX XXXX. As per XXXX and XXXX they could not identify any accounts that I opened originally XXXX with XXXX  XXXX  which merged with XXXX XXXX  which I banked at regularly in XXXX XXXX XXXX  XXXX XXXX. XXXX specifically stated to me ( it was recorded and documented by both XXXX and then transferred to XXXX in the wells Fargo specialty division wells Fargo bank. XXXX asked me what phone number was in my accounts I replied XXXX and I replied are any of these numbers on my files XXXX or XXXX or XXXX OR " XXXX XXXX XXXX '' XXXX stated that none of those numbers has ever been used on any of my accounts. FALSE. I have proof attached that Wells Fargo bank sent as a response letter thru this CFPB portal federal agency - of a application of sort from a Ready reserve college account IDENTIFYING ME AS MYSELF XXXX XXXX XXXX AND THE ACCOUNT NUMBER OF XXXX XXXX  AT XXXX XXXX XXXX  XXXX VA XXXX ENDING IN XXXX as documented proof of the documents sent to the cfpb and attached on this continued complaint since XXXX XXXX to Wells Fargo XXXX XXXX XXXX XXXX  XXXX va in person of having accounts with wells Fargo bank holding my solely owned monies of approx XXXX XXXX DOLLARS PLUS XXXX XXXX DOLLARS DEPOSITED VIA XXXX issued checks in my names of XXXX XXXX XXXX XXXX XXXX plus my social security XXXX checks of approx XXXX XXXX lump sum in XXXX and continued monthly deposits from then until XXXX. ( SSA dda  accounts are a issue also still ) THE PHONE NUMBER ON THIS ACCOUNT APPLICATION WAS. " XXXX XXXX XXXX ''. Please obtain the phone recording of my phone conversations of yesterday XX/XX/XXXX to your Wells Fargo account rep specialists thru wells Fargo customer service main # XXXX XXXX AND XXXX. I gave them numerous account numbers to research I was told BY XXXX SHE COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION ON ALL THESE ACCOUNTS. I was told that I needed to go to wells Fargo bank and show a ID. I have done that and a whole lot more wells Fargo ( we are talking about a human beings life savings of 60 years ) ... .since XXXX reporting of fraud and identity theft to the XXXX  XXXX   XXXX  manager at the XXXX bank location. I was told then I had XXXX money on any account. I am requesting production of the documents relating to to the attached XXXX XXXX /wells Fargo account ending in XXXX and coded at the XXXX XXXX office of Wells Fargo and a accounting of my life savings held and trusted by the bank of my choice for 30 years ... yes I said 30 Years!!! and allowed to be transferred into some other entity control and not assisting me originally in XXXX XXXX THRU PRESENT DATE when the chain of events took place of My identity theft on my person and my solely owned monies at Wells Fargo XXXX XXXX XXXX XXXX XXXX  XXXX va. My identity theft still remains registered with the Federal Trade Commission . 
Thank you
Product: Debt collection

Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. 

On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. 

XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.
Product: Debt collection

I received an email from a guy named XXXX XXXX, that read, We're XXXX, a debt collector. We are trying to collect a debt that you owe to Pinnacle Credit Services , LLC. We will use any information you give us to help collect the debt. 
Our information shows : Hello, XXXX XXXX. You have an account with Pinnacle Credit Services , LLC ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, Pinnacle Credit Services , LLC placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. 

I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that fully intent to pursue litigation in accordance with the FCRA to enforce my rights and see relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of your first investigation and subsequent reinvestigation you stated in writing that you verified that these items are being report correctly. Who in your company verified these accounts are mine? How did they verify them? You still have not provided me with the name of the individual, business address, and the telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETED all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for ( Section 616 & 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts list below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 



Name of Account : Account Number Provide physical Proof of Verification : 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  UNVERIFIED ACCOUNT Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.
Product: Credit reporting or other personal consumer reports

I have recently overlooked my credit report and noticed that I am a victim of identity theft. 
XXXX XXXX XXXX in which the company is reporting a collection on my report. 
I have no knowledge of this being reported and asked that there be fully investigation on my behalf. This is affecting my credit and I am unable to apply for new cards to build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX 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