23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Assistance Regarding a Debt Collectors Failure to Validate a Debt and Related Issues Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue with a debt collection agency, Midland Credit that has failed to comply with federal regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
The agency in question has been contacting me regarding an alleged debt that I do not recognize. I promptly requested that they validate the debt by providing documentation that substantiates their claim. Despite my request, they have failed to validate the debt and continue to harass me through emails and other forms of communication. 
Additionally, I discovered that the agency has reported this unvalidated/unverified debt to credit reporting agencies without my authorization or consent. This action has negatively impacted my credit profile, causing undue stress and harm to my financial well-being. 

To summarize, the debt collector has engaged in the following actions : 1. Failure to Validate the Debt : Despite my written request, the agency has not provided any evidence or documentation to validate the debt as required under 15 U.S.C. 1692g ( b ). 
2. Continued Communication and XXXX : The agency continues to email me and engage in collection activities in violation of the FDCPA. 
3. Unauthorized Reporting to Credit Bureaus : The agency reported the alleged debt to credit reporting agencies without substantiating the claim, in potential violation of the FCRA. 

I kindly request the CFPB 's intervention to address these violations. I would appreciate it if you could investigate the matter, ensure the agency ceases all collection activities until the debt is properly validated, and work to have the unsubstantiated debt removed from my credit report. 
I have attached copies of all relevant documentation, including my written validation request and any communication from the debt collector, to support my complaint. 
Thank you for your attention to this matter. Please let me know if additional information is needed. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am sending to follow up on the last complaint I sent to your attention on XX/XX/year> regarding certain items on my credit report. I appreciate your prompt attention to this matter. As of today, 30 days since I sent the original dispute letter, I have not received any communication or updates regarding the resolution of the dispute. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. Please refer to the letter I attached in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are still reporting XXXX XXXX bankruptcy without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Product: Credit card or prepaid card

I received an offer letter from Chase XXXX regarding an offer for a credit increase on my card. I was thrilled bc the offer letter ( attached ) indicated I would not need a credit check to take advantage of this offer. When I attempted to redeem the offer, I was told it no longer was available. I reached out to customer service and the first response I got was a templated response saying the offer was no longer available but I could request an increase that would require me to update all my information AND have a hit on credit. 

I then replied and indicated that this was deceptive because the letter clearly stated the offer was good until XX/XX/22 and now it was magically not available. 

The second response I got said the offer was sent to me in error and XXXX, please note that our credit line increase offers, like the one you received, are subject to change as per terms and conditions and this offer is no longer available on your account. As any good consumer would do, I reviewed the terms and conditions on the letter sent to me. The only thing it says is Please note this offer is based on existing information on your account. If the information changes, you may be ineligible for this offer My payment history with Chase is impeccable and my XXXX XXXX according to them is XXXX. XXXX reports my XXXX XXXX as XXXX I am concerned that this offer letter is just a bait and switch to get customers to submit to providing an official credit hit. None of the information provided in their response makes sense. I am a good customer with a great credit history. They sent me an offer letter which at first they said was no longer available and then was sent in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX    XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX   XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

My roomate used my credit without my permisssion to open accounts in my name. I wrote about it in the report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is defrauding me and also allowing identity theft to flourish by not properly investigating and acting on confirmed cases of identity theft. Further, their phone representatives are incompetent and repeatedly lie. 

On or about XX/XX/23 someone fraudulently applied for credit in my name at XXXX XXXX and they subsequently attempted to access my Experian credit report. Since I always keep my Experian credit report locked, the attempted inquiry failed. I was subsequently notified of this by Experian and I immediately contacted XXXX XXXX to inform them. They marked the application as fraudulent and notified Experian of the fact. 

On or about XX/XX/23, I received notice from Experian that they added a new address to my credit report. The address they added was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX. I immediately called Experian and was connected with their Special Services Dept. After verifying my identity, they told me they would do nothing since the address was reported to them by their subscriber as affiliated with an open account I have with them. They told me the reporting subscriber was XXXX XXXX. I was further informed that I needed to call XXXX XXXX and inform them of the incorrect address and also ensure my account with them was secure. After doing that, I was promised, I could call Experian back and they would delete the fraudulent address from my credit report. 

I immediately called XXXX XXXX and spoke with their Fraud Department. They informed me that the fraudulent address was not and never has been associated with my XXXX XXXX accounts. They confirmed the fraudulent address was the address used when someone previously attempted to fraudulently apply for credit in my name with XXXX XXXX on or about XX/XX/23. In fact, Experian took it upon themselves to put this fraudulent address on my credit report as the result of a failed inquiry attempt on what Experian already knows was fraudulent. 

I called Experian back as instructed and reached again their Special Services Department. The representative I spoke with stated that she refused to remove the address as I had been previously promised. She stated the only thing she could do is reflect the address as possibly fraudulent in her records. This is extremely unsatisfactory and it also means Experian lied when I called the first time. 

Later Experian sent me an e-mail stating that they will not even mark the address as fraudulent, much less even delete it, until I jump through hoops my mailing them my ID and police reports. 

I contacted the XXXX XXXX Police Department and communicated with XXXX XXXX XXXX. He stated I needed to first complain to my local police department. Being stationed overseas, I seriously doubt the XXXX police will do anything. 

I have also reported this incident to Special Agent XXXX XXXX of the U.S. Secret Service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Dear XXXX, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form 1099-C related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being industrial acceptance. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form 1099-C from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the Form 1099-C hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form 1099-C was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have XXXX days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

i mailed pyod llc at XXXX XXXX XXXX, XXXX, sc XXXX on XXXX XXXXXXXX about the alleged debt of {$590.00} and the inaccuracies they are reporting on my credit report which caused my score to drop 100 points. they received my letter disputing this alleged debt on XXXX XXXXXXXX it is now XXXX XXXX XXXX. its been more than 30 days since they received my dispute, i have not heard back from them yet. 

i told them that hade have thirty ( 30 ) days from receipt of my notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which they have reported it.
Product: Debt collection

I contacted the collection agency on multiple occasions regarding verification of debt. The collection ignored my requests to verify this debt. This was a credit card debt that is in dispute. Multiple times I asked XXXX XXXX to provide verification. They chose to add fees and then sell the debt to LVNV. I have never received any verification from this agency and ONTOP OF MULTIPLE PHONE CALLS ALL DAY AND NIGHT FROM THEM. They never validated debt to me and are in violation of FDCPA and now have moved on to sueing me in small claims. I have sent letters requested LNVN to provide details on how the alleged amount of XXXX was calculated, LVNV has been reporting this balance against this account to all credit reporting agencies on my credit report When I started this dispute the balance was under {$500.00}. Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Service for an old XXXX account. 

I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting

Tried accessing my free reports on two different sites. Neither one will give me access! One says my info is wrong and the other got to security questions based on info from my report, but the info did not match anything I know to be true. Something is very wrong here. I have had a woman that attempted to use my identity before in 2010, kept me from getting a job and that employer had to run an investigation to prove it was false. I am freaking out here, because the security questions were on the subject of a home loan, credit card and bank card, in which the first two I have never done and the third did not match up to my bank that I have had for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with equifax regarding XXXX XXXX MasterCard. I received the investigation stated that its been verified as my debt. Which is incorrect. I also disputed with XXXX, XXXX requested that equifax remove this account off my credit. Equifax does a poor job with investigation the company has addressed it yet equifax states its my debt unbelievable. In addition I submitted my address equifax has a different address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Checking or savings account

I check my account on a daily basis and since I don't make a lot of money I sometimes have to pay bills 2-3 later than I want when I pay with my debit it will show pending for more than 2 days which is not normal if I pay a bill and it shows that it is posted and not pending it's should have not been returned I sense that this is a manipulation of funds and that debits are posting later than sooner.
Product: Credit card or prepaid card

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, EXPERIAN, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not remove this innacurate accounts, an arbitration will be filed and sent out to all parties.
Product: Checking or savings account

Im not able to open a chase or XXXX XXXX account
Product: Credit card or prepaid card

This is the 2nd time I have tried to dispute something through Chase and they have decided to make it difficult. 
1st depute was since they would not honor their travel insurance This time they sent the dispute to the merchant without allowing me any chance to provide documentation. The product that the merchant is charging me for a time sensitive rental. By the time the dispute goes through, the it will be the end of my rental and then most likely new issues.

The representative said ( should be recorded ) that if I was not willing to mail the complaint in that the XXXX  would be the best route ( I had not mentioned/thought of consumer finance complaint ) ****Key item : I asked to file a complaint about their process versus the industry standard process and they said my only option was to mail it in********** Chase has not only decided to make this dispute extra work, but also has zero concern for customer service or maintaining a standard that is used by any other card that I am aware of
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX both are listed on my consumer report. Each company has XXXX accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to XXXX XXXX XXXX it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

back on XX/XX/XXXX i sent a letter to the credit company transunion and still have yet to get a response regarding my dispute and was completely ignored by the company.
Product: Credit card or prepaid card

I got wiped out as did XXXX XXXX others in the crash of XXXX. I couldnt pay my bills and received collections, judgements and a littany of other negative things that effected my credit for quite sometime. Most of my creditors after around the 4 year mark started to voluntarliy remove the judgements and collections. They said they had received TARP funds and it was not fair they had been made whole in their losses and to continue to prosecute me financially. XXXX in a word. I just received a civil summons from Citibank for a prior judgment that I had received that was in XX/XX/XXXX for {$6300.00} and its now up to {$8500.00}. They are suing me again to extend this Judgement for another 10 years. This is weird as I have not been able to verify within Citibank ANYONE who knows anything about this. I sat on the phone half the day Friday after being served and part of Saturday and no one knows anything about this claim-no XXXX. A XXXX XXXX signed on behalf on Citibank. THE CFPB found Citi guilty of several issues with credit card sales and misreprenting interest rates to people in XXXX for periods between XXXX XXXX. I have looked at that settlement and CFPB ordered Citi to quit collection attempts for people during those years and I was also promised a rate that I did not recieve. I would like the paperwork for my orginal application showing my original rate and program parameters. I would also ask they honor the agreement they entered into when CFPB which found them guilty of what they are doing now. IF this is correct I am appaulded that they would attempt to continue to make people pay for things that happened from XXXX. All the other large banks I was dealing with - XXXX, XXXX XXXX, XXXX XXXX XXXX etc forgave the remaining outstanding collection/judgement because they recieved TARP funds. Citi received {$45.00} XXXX in TARP and the government agreed to protect losses on nearly {$300.00} XXXX in risky investments. They only paid back {$20.00} XXXX. Would love to have that kind of golden parachute, I think the most ludicrious part of this is " agreed to protect losses on nearly {$300.00} XXXX in risky investments ''. But yet they are trying to illegally collect from me.