23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : FCO Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into Cares Act Forbearance with LoanCare XXXX of XXXX and it is extended through XX/XX/XXXX. My mortgage account was current upon entering into Cares ACt Forbearance. LoanCare just transferred servicing of my loan to another company, upon doing so they reported to the credit bureaus that the loan is 120 days or greater past due to XXXX  and XXXX. My credit rating with both bureaus is a XXXX. I am suffering job impacts from this action as my position is dependent upon satisfactory credit. I have attempted to call and have sent numerous emails trying to get this corrected. They closed my most recent ticket without contacting me siting that I did not provide them with a complete credit report. I had to call them to find out the resolution to the ticket as they just closed it with no comments. I need my credit updated and reported correctly immediately. The attached documents are what has been sent numerous times to LoanCare via several email addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported on this account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my phone was comprimised, they got into my banking, XXXX XXXX XXXX XXXX 
XXXX said I authorized these activities which I absolutely did not. Wells Fargo said the same. Our other bank reimbursed the stolen money with no problem. 
I've never shared any log in information with anyone. 
These are the transactions I'm trying to recoup and wells fargo and XXXX said no. 
Transaction Monday XXXX XXXX withdraw to wells fargo completed XXXX transfer from wells fargo Completed XXXX transfer to XXXX XXXX XXXX completed XXXX transfer from wells fargo failed XXXX transfer from wells fargo XXXX XXXX XXXX XXXX XXXX sent XXXX debit card failed XXXX transfer from debit card successful XXXX debit card failed XXXX purchsed XXXX XXXX XXXX sent XXXX funds sent to a XXXX failed XXXX funds sent to a XXXX XXXX failed XXXX purchased XXXX XXXX sent to XXXX XXXX failed XXXX transfer from wells fargo XXXX transfer from wells fargo failed XXXX transfer from card XXXX failed From my research XXXX XXXX and other payment apps like XXXX XXXX, fall under the requirements of the federal Electronic Fund Transfer Act ( EFTA ). This Act covers electronic transfers, 1 ) that are made by someone other than you ( the account holder ), 2 ) that are not authorized by you, and XXXX ) you do not receive any benefit from the transfer. 
XXXX XXXX is covered by the EFTA. 
So where is my protection they will not answer me on this they just want me to rate their service and keep saying the case is closed. I keep reopening it. I've lost over {$5000.00}
Product: Mortgage

( FDCPA + Regulation F + Notarized Response Required ) Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XX/XX/year> Dear XXXX Mortgage, This letter constitutes a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and its implementing regulation, Regulation F ( 12 CFR 1006 ), for full and complete validation of the above-referenced alleged debt.

You are hereby notified that you must cease all collection activityincluding servicing, payment demands, foreclosure actions, credit reporting, or any communication implying a debt is oweduntil you provide proper legal validation, as required by law.

I specifically demand the following documentation : 1.

The original Promissory Note and Security Instrument, including : My wet-ink signature, dated and notarized at the time of execution ; A dated, notarized signature by an authorized corporate officer of the originating creditor verifying lawful execution.

2. 
Proof of consideration, including : Documentation showing that XXXX Mortgage, MidFirst Bank, or any prior entity actually funded or purchased the loan using their own assets. 
3. 
Chain of title and securitization records, including : All endorsements, assignments, and transfer agreements ; Any Pooling and Servicing Agreement ( XXXX ) or related trust documents, if the loan was securitized ; Proof that XXXX lawfully reacquired enforcement rights if the loan was sold to or held by a trust. 
4.

All UCC filings or warehouse pledging records identifying this loan or Note as chattel paper or collateral.

5. 
Your debt collection license in Georgia and documentation establishing your standing to enforce this debt. 
Notarized Corporate Response Required : Any reply to this request must be signed by an authorized corporate XXXX and notarized. Any response lacking notarization and legal verification will be rejected as insufficient under the FDCPA and XXXX XXXX. 
Failure to Validate : If you can not provide the documentation requested above, I will consider this debt invalid and unenforceable, and demand that you : Cease all collection, servicing, or enforcement actions ; Remove any adverse credit reporting ; Dismiss or withdraw any foreclosure or legal action. 
Continued attempts to collect without validation will be treated as willful violations of federal law, subject to complaint and civil litigation. 
Please respond within 30 days of receipt. This request is submitted without waiver of rights or admission of liability, and I reserve all legal remedies under state and federal law. 
Sincerely, XXXX XXXX XXXX Pro XXXX All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

suppressively, In my credit score from XXXX  XXXX  appear that on XX/XX/2019 a company named Factual Data checked out my credit score. I do not what is that company and why they checked out my score. Now, this act brought me problems in my score.
Product: Credit reporting or other personal consumer reports

Transunion Credit bureau is in violation of of my consumer credit report, even after I notified them that I am a victim if identity theft
Product: Credit card or prepaid card

My complaint is towards Commenity Bank. I have been working with a debt settlement company and I had notified Commenity Bank of this fact when they first began calling about my delinquent account in XX/XX/XXXX. Today, XX/XX/XXXX between XXXX EST and XXXX EST, Commenity Bank has contacted my mother, my sister, a friend and my ex husband all informing them I have a delinquent account and I need to contact them right away. My sister and friend have never ever been involved in my finances, ever. I verified that the number they were all called from was Commenity Bank. I then called Commenity bank to receive a reason why they have contacted people never associated with my accounts, they stated that all previous mentioned people and phone numbers were listed on my account. I know for a 100 % fact that this is not true. They of course would not reveal how or when these people were listed on the account. I feel there has to be skeezy events happening behind the scenes someplace on Commentity Banks end in order for them to get this information.
Product: Payday loan, title loan, personal loan, or advance loan

i'm going through a dept resalution program. I'm not supposed to answer there calls. they called a friend of mine and left the message XXXX we've been trying to get a hold of XXXX have her call us. and they left a number. i never gave them her name or number.
Product: Debt collection

Portfolio Recovery Associates is trying to collect a debt they bought from XXXX XXXX and they are not licensed to operate in the state of Georgia.
Product: Credit reporting or other personal consumer reports

American Credit Acceptance, DENIED me a auto loan again based on " INVALID '' and " INCORRECT '' information that XXXX continues to keep posted on my Credit Report,. The fact that American Credit Acceptance is a " 3rd party lender '' that works with individuals with bad and or poor credit speak volumes. The information that is being reported regarding my credit background history, -- is totally inaccurate.. 

I have filed previous CFPB complaints on each credit bureau ( OPENED ) and also XXXX attached the necessary documents, to prove " identity theft '', accounts " paid in full '', -- etc, this still does not make a difference. i.e. XXXX : XXXX XXXX and XXXX XXXX. Plus I have a FREEZE on all accounts, so who was American Credit Acceptance able to get my information without knowledge or approval to life the frees? 

***Is there anyway that I can bring a lawsuit against these reporting agencies, for years of mis-representing and reporting my actual credit history information? Enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter. XXXX XXXX XXXX. Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013 I never received validation of this debt through email, phone call, United States postal service or by any other means. Therefore I am asking for written validation from the company at this present time telling me this is indeed an account that belongs to me. There is a XXXX  balance therefore there is not any money owed. VALIDATION means to provide Legal PROOF of this truth and accuracy. At this time this debt has not been validated therefore according to Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. Please validate this debt or have it completely removed from my credit reports My next step will be hiring an attorney to pursue a civil action against your company.
Product: Credit reporting or other personal consumer reports

In response to complaint id : XXXX I am aware that a charge off is viewed as a certificate of indebtedness, making it taxable income and potentially eligible for removal from records. Given this understanding and the appearance of this information across multiple credit bureau reports, I am seeking assistance in reviewing this situation. According to the Internal Revenue Service publication XXXX, if a debt for which you are personally responsible is forgiven or XXXX for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the XXXX major credit reporting agencies, which indicate a charged off debt from XXXX XXXX XXXX reported on XX/XX/XXXX, totaling {$23000.00}. An authorized XXXX form has already been submitted to the IRS, and I have both copies available for verification. The amount enlisted in the form will be included in my income for tax year XXXX and should also be removed from the credit reports since my credit history should not include income information. 
In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. I, as the consumer, have the right to safeguard my personal information, as supported by 15 USC 6801 which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX XXXX under the definition of a financial institution. 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided my consent for XXXX XXXX XXXX, XXXX, XXXX, Transunion, and XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any consent previously given is now revoked. 


Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out of such disclosures. XXXX XXXX XXXX did not inform me of my right to exercise this option. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit report furnishing to specific purposes. XXXX, XXXX, Transunion, and XXXX are failing to maintain reasonable procedures. 


Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am choosing to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A payment coupon was accepted by the company and never returned, proof of acceptance of the payment on credit report, the amount was for the whole amount of the car, the car was stolen and no original documents was returned. After another payment coupons was sent back as a copy as the original was probably used again. a notice of dispute was sent by affidavit under code 15 USC 1692 asking the name of original creditor address by way of securitization analysis report only and respond only by affidavit, no affidavit was received no notice to repossession was mailed and a cease to collect the debt did not happen as they stole the car from an apartment complex without permission from the owner of gated community in violation of non consensual tow.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have XXXX  days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.