23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Vehicle loan or lease

In my complaint about Regional Acceptance, they stated that my repossession was not voluntary. It was due to the fact that my ex turned it into the dealership located in XXXX, TX. Regional failed to respond promptly when I called to let them know where the car was located. Furthermore, Regional sold my debt to a collection agency and should not have any say so on how this issue should be resolved. Once it was sold, they no longer had that right. I want this debt removed from the credit reporting agencies since the FOUR year statute of limitations has ran out, not SEVEN like they are trying to state when they have no say so. Texas is four years, not seven. As a consumer, I know my rights and I would appreciate Regional not trying to play for me stupid.
Product: Mortgage

I HAVE BEEN ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE FROM MY SERVICER, NATIONSTAR. I SUBMITTED A PACKAGE TO NATIONSTAR WITH ALL DOCUMENTS REQUESTED. ABOUT ONE MONTH AGO I CALLED FOR STATUS ON THE PACKAGE AND WAS TOLD THAT THE FILE WAS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. SHORTLY AFTER I CALLED, I RECEIVED A DECLINE LETTER FOR MISSING DOCUMENTS. I BELIEVED THAT THIS MIGHT HAVE BEEN AN ISOLATED ERROR AND CALLED TO REQUEST ANOTHER MORTGAGE ASSISTANCE PACKAGE. I WAS TOLD SEVERAL TIMES THAT A PACKAGE HAD BEEN MAILED TO ME. IT WAS NEVER MAILED NOR RECEIVED. NATIONSTAR 'S ACTION APPEAR TO BE DELIBERATELY DEVIOUS. THE ONE THING THAT NATIONSTAR IS SUCCESSFUL AT ACCOMPLISHING IS SCHEDULING A FORECLOSURE SALE. THEY HAVE SCHEDULED MY PROPERTY FOR SALE ON XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXXXXXX XXXX Email : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate/Unverifiable Account Dear Experian, I am disputing the following account appearing on my credit report : Creditor Name : XXXX  Account Number : XXXX Reason for Dispute : This account was charged off and sold to another lender. Since XXXX no longer owns or services the debt, they can not legally verify it. Please provide proper verification of this account. If it can not be verified, please delete it from my credit report immediately. 

Additionally, I request the removal of any non-account holding inquiries older than 30 days. 

I have attached a copy of my drivers license, Social Security card, and proof of address for verification. 

Please respond within 30 days as required under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

A resorted debt charge that has been on credit since XXXX. 

Issue : I disputed and reached out to company back in XXXX to XX/XX/XXXX about debt. I was provided information. I still disputed. But was set to pay on charged-off. BEING CHARGE off AND DEBT was off XXXX BOOKS I was transferred around and at times payments were difficult to make to agents due to insisting debt was off book and sold to Solar debt collector agency.. 

Subsequently, I made XXXX payments. I disputed and attempted to contacrd XXXX back in XXXX to XX/XX/XXXX about debt. I was provided information. I still disputed. But was set to pay despite It BEING CHARGE off AND DEBT was off THEIR BOOKS I was transferred around and at times payments were difficult to make. Subsequently, I made XXXX payments. They took my account being on one payment. In the process dealing with a business personal manner. An advisor said its charge off. So in process for this business transaction ( refinance, and having medical issues and less work on my extra job due to Covid reductions in some industries. 
I owed XXXX. Yet I didnt sign an agreement but did they contact me for payment again many times they said this is with A DEBT Agency.. 

I am filing dispute. Per Texas they cant restart this debt even if partial payment was made. ( Sect XXXX ) Its already on my credit XXXX account as a charge off I didnt sign an agreement. I am filing a complaint with the state. Im having medical issues and this old reporting are damaging my credit. It is ridiculous. How in these unprecedented times. Companies are trying to ruin individuals financially for As iof XXXX. They recharged Off the balance and restarted debt dropped my credit XXXX points. I have been battling late zombie collection before. When they see you are trying to rectify your credit worthiness in spite of challenges-yet they report to the bureaus to harm your report and future financial standing in credit sense took my account being on one payment. In the process dealing with a business personal manner. An advisor on a personal business manner informed me its ALREADY charged-off. So in process for this business transaction ( refinance, ) and having medical issues and less work on my extra job due to Covid reductions in some industries. 
I owed XXXX. Yet I didnt sign an agreement but did they contact me for payment again many times they said THUS this is with A DEBT Agency.. 

I am filing dispute. Per Texas they cant restart this debt. ( Sect XXXX ) Its already on my credit XXXX account as a charge off I didnt sign an agreement. I am filing a complaint with the state. XXXX having medical issues and this old reporting are damaging my credit. It is ridiculous. How in these unprecedented times. Companies are trying to ruin individuals financially for As iof XXXX. They recharged The debt off as a New charge off the balance and restarted debt dropped my credit XXXX points. I have been battling late XXXX and zombie collection before. When they see you are trying to rectify your credit worthiness in spite of challenges-yet they report to the bureaus to harm your report and future financial standing in credit sense
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
. XXXX XXXX Acct XXXX on XXXX, Equifax and XXXX, XXXX and XXXX XXXX Acct unknown on XXXX, XXXX XXXX XXXX Acct XXXX on XXXX and XXXX, XXXX XXXX  Acct XXXX on XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from XXXX, Equifax and XXXX, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. XXXX XXXXXXXX and XXXX XXXX is XXXX of the prime examples They said I open an account XXXX XXXX XXXX, but the original creditor last payment was XXXX  that was XXXX years ago. The statute of limitation in Georgia is XXXX years.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my XXXX  XXXX Bankruptcy was discharged. I gave it a month or so before contacting Sheffield Financial to see why the 2 loans were still showing on my account with them and why they were not reporting properly to the credit bureaus. I was told twice it would be fixed and a letter would be sent to me confirming however account number XXXX & XXXX are still showing up as past due on their system and on my credit reports.
Product: Credit reporting or other personal consumer reports

I had called certegy on XX/XX/XXXX a transaction was declined at XXXX and Certegy said that I couldn't dispute or remove any information because they don't do that that I have to call XXXX or XXXX or XXXX and in the beginning of the phone call when I call it says that if you want to dispute that I can so that was not true and the lady did not want to transfer me over to a supervisor when I asked to speak with a supervisor she said that one was not available and then try she put the phone down and then she answered herself again pretending to be a supervisor. And also I sent them a fax affidavit declaration notice to exercise my right to have my information which is private removed from their system and I asked the lady about it and she did not know anything about it so then I ask to speak with the department that handles that and she was told me to call back and no supervisor was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to my original complaint dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
Product: Credit card

I am writing to file a complaint against Discover regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Discover website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

XX/XX/2021 I have savings, checking and business accounts at TCF bank in XXXX XXXX Michigan. For six months. My business account deposited a bad check from a client. The bank froze all three of my accounts without explanation for 2weeks. I received a letter within 10dayd to close the account. I have been trying to do so for three weeks. I have had this XXXX XXXX would not close my accounts, held my debit cards and driver license for 3hours without explanation. I demanded that I have my property return immediately. Why would you close a personal account for a business account situation. It is unprofessional experience don't have all three accounts at the same bank.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection. 

Collection Company Name : WILLIAMS & FUDGE INC Account Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB a few weeks ago against Equifax alleging that they may be intentionally keeping my credit score too low since I am an XXXX American and have been paying my bills and paying off my credit cards. Yesterday or today they dropped my credit score XXXX points without any valid reason other than a potential retaliation for my original complaint I filed with you.
Product: Debt collection

A medical bill for XXXX XXXX XXXX was setup on a credit card to be charged each month. At some point, as happens frequently to us, our card was compromised and canceled and re-issued. If yo have ever had this happen, is it not easy to forget all the payees that may have your card? It is very easy to forget. No new letters, no calls were received. While in the process of buying a home for my elderly Mom to live near us, we were alerted of a collection. I immediately called : FOCUSED RECOVERY SOLUTIONS Agency Address : XXXX XXXX XXXX   XXXX. 
XXXX, VA XXXX ( XXXX ) XXXX and inquired about the account being on my credit report. I politely, asked questions, and confirmed that the credit card payments had been interrupted by the credit card breach. The very next day, I paid this in full and Focused recovery explained my flex spending would be charged, and the record on the CRA would be deleted. Well, they issued a XXXX  balance to the CRA 's, but not a deletion request as expected. 

An overnight letter, XXXX, was sent, with no response and no deletion order sent to the CRA 's. I have this tracking number if required, please contact me. 

This should not impact my ability to get a good rate on a mortgage, because no-one called me about the credit card payment issue, no letters were received. I have no collections, and never missed a payment on any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A key XXXX wants credit reporting agencies XXXX, Experian and XXXX investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XX/XX/XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I traveled with an XXXX XXXX  from XXXX. While on XXXX  my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not made these request or am I familiar with the creditors.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my initial dispute request to Equifax on XX/XX/2019 via certified mail and it was signed by XXXX at Equifax on XX/XX/2019. It took them over 70 days to respond which is well beyond the 30days requirement per the Fair Credit Reporting Act of which I asked them to delete the disputed items. They ignored my request and ignored their negligence. I hence informed them of Identity Theft providing a copy of my Federal Trade Commission Identity Theft report and a copy of my Police Report, they still continued to ignore my information and did not comply with Section 605 of the Fair Credit Reporting Act and did not  " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, and US. Department of Education. I have certified mail receipts of over 5 Letters I have mailed to Equifax to correct the errors on my credit file. Please make sure they adhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries from mortgage companies on my credit report with TransUnion each one on there i did not authorize today XX/XX/18 i tried contacting TransUnion to dispute this and let them know i didnt authorize these and they basically told me they couldnt help me and to contact the companies when i said i did already i was told to contact them again, they were no help and very rude talking over me etc and will not transfer me to the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and jefferson capital are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!