23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern, This letter is in response to your contact with myself in an amount owed that you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Datel [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 an account without my written instructions.
Product: Debt collection

I received a letter from this address : Certified XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Stating that I owed money to my Doctor 's office, XXXX XXXX, and they were trying to collect the debt. 
I called the XXXX 's office right away to clarify and they said no, there was no debt. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several billing errors that violate 15 U.S. Code 1666 ( b ) regarding billing inaccuracies, specifically : ( 4 ) Failure to accurately reflect payments made by the obligor or credits issued.

( 5 ) Errors in computation or other accounting inaccuracies.

Additionally, per 15 U.S. Code 1666b, creditors can not consider a payment late unless a periodic statement is sent at least 21 days prior to the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I noticed there are continuing collections being posted to my XXXX credit report. These collections have been removed on two occasions already ( by : XXXX XXXXXX/XX/2016 and XXXXXX/XX/2016 ) .Now there is another collection from, ENHANCED RECOVERY CORP for the same amount of {$580.00} for equipment that was returned via the technician who installed XXXX @ XXXX XXXX XXXX XXXX XXXX on or around XXXX XXXX, 2016
Product: Money transfer, virtual currency, or money service

I purchased Google XXXX gift cards totaling {$250.00} ( {$70.00}, {$80.00}, {$40.00}, and {$25.00}, {$40.00} ). Despite verifying my account, I receive an error message stating " we need more information '' when trying to access the funds. Multiple attempts to contact Google Support have been unsuccessful.

Specific Issues : 1. Failure to provide accessible funds 2. Inadequate customer support Desired Resolution : 1. Resolution of the issue or refund/exchange 2. Improved customer support
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am victim of identity theft. I don't know there to start, because the situation is really hard. It was XX/XX/year> once I noticed fraudulent account from XXXX on my credit reports. I called to XXXX and told that I have never applied for any credit with them and also noticed that my mailbox is broken. I asked them to block credit under my name, because it does not belong to me. They started investigation, closed the fraudulent account and told that they are going remove fraudulent account from my name. Problem is the fraudulent account is still reporting on my credit reports, even it is good standing, but it is inaccurate. Please remove XXXX fraudulent account from my XXXX, TRANSUNION and XXXX credit reports.
Product: Credit card or prepaid card

Multiple occasions I made payments once on the XXXX of XX/XX/2019 for XXXX dollars and another payment in XX/XX/2019 for my payment in XXXX. Commenity bank charged me late fees yet again and refused to resolve the issue while racking on more fees. I advised I would make payment once they corrected the additional fees that were added incorrectly
Product: Debt collection

While checking my credit report, I noticed a collection from Sequium Asset Solutions in the amount of {$160.00}. I was never informed in writing about owing this debt. It just suddenly appeared on my credit report.
Product: Mortgage

I have had an account with OCWEN since XXXX of XXXX, and paid it off in XXXX of XXXX. I am currently filling out past tax returns and tried to log onto website as I normally do, I could not log on. 
I called and was told that since I had paid it off, the account was closed and there is no information. I gave customer service my loan number, name, social security number and they still could not find any information. I tried to submit a request on their website, but could not as it said my account does not exist. 
I tried to reason with the customer service rep, I told them I will need the information for my XXXX taxes, etc ... 
I have had mortgages in the past and am still able to log onto those companies and look up tax information. 
Not being able to access my tax information is not acceptable to me and I am pretty sure that the IRS will not take my explanation that my information somehow disappeared. 
OCWEN Loan Account # XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX Sold XX/XX/XXXX Any help or information would be greatly appreciated. 
V/r XXXX XXXX
Product: Debt collection

I paid off the account, XXXX which was assumed by Transworld Systems Inc. I contacted the Transworld System in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XX/XX/2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of my credit report by your agency. I have identified multiple instances where there have been unsuccessful attempts to remove late closed accounts, including bankruptcy and public records, from my credit history. I am concerned about the accuracy and completeness of my credit report, and I believe that these errors are negatively impacting my creditworthiness. 

Despite multiple attempts to rectify and remove the late closed status, the account continues to be reported inaccurately. 

Despite submitting necessary documentation to demonstrate the resolution of the bankruptcy, the record persists on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, for your review. I kindly request that your agency conduct a thorough investigation into these matters and promptly update my credit report to accurately reflect my financial history. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report. I expect your agency to adhere to these regulations and take the necessary steps to correct these inaccuracies promptly. 

Additionally, I would appreciate regular updates on the progress of the investigation and the actions taken to rectify these errors. Please provide a written response within 30 days of receiving this complaint, as mandated by the FCRA. I am asking for your assistance to remove these items in my credit file : XXXX  XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX  XXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Payday loan, title loan, personal loan, or advance loan

ACIMA I HAVE 26 payment and I pay XXXX every two. The interest never change. I have eye wear Im pay for
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or other personal consumer reports

Credit report file Report Number XXXX Generated on XX/XX/2024. 
The personal information provided on this credit report is inaccurate.
Product: Debt collection

I had created a XXXX debit card which was recommended as an employee. It was linked to my bank account and the money I used was my own money. A week before I received my card in the mail I saw a charge for XXXX I brought this up to customer service and called XXXX to return my money and cancel my account. I was furious that this happened because it was a debit card which meant someone is taking my hard earned money to buy shoes not even in XXXX. They apoligzed and returned my money in 3-5 days. A week later it happened again over drafting my account I called XXXX again and they said that this transaction had to be processed three times and returned back again in 3-5 days they also said how they cancelled my card and have a new one for me when I explained to them I just did n't want an account with them because this should n't have happened. I also had to call my bank and get them to reverse the overdraft fee. I got the money back agian and then the following week they took out the money again over drafting my account again. I called them for the third time and they said they reversed the transaction again and it will return in 3-5 days hoping this was the last time I called my bank again to reverse the overdraft fee. After two weeks I get a call saying I owe a balance of XXXX for the shoes I bought I explained that I had already disputed with someone that I did n't make this purchase they looked through the records and said oh OK yeah I see that. We returned the money twice and I said actually three times you took my money three times and returned it three times. That 's when they claimed that they gave me an extra XXXX one from my bank and one from them and that I need to pay it. I looked at my account and did n't see any extra money and I refused to pay the balance something that should n't have even happened and caused me allot of problems with my bank. A full month of problems for a fraudulent charge on a debit card I did n't even recieve before this happened and inconsiderate reps that did n't follow my wishes to close the account just to keep me as a card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

This company called Diversifeid consultant attempted to collect the sum XXXX from me. They said I owe XXXX XXXX  T this money. I explained to them I dont owe such amount of money but they went ahead and destroy my credit with a degoratory marks. This has ruined my credit score/report. I called XXXX XXXX XXXX and they confirmed I dont owe them that amount but this false claim has already destroy my credit history/report. Please kindly help me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Equifax has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title 15 chapter 94. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Equifax is operating as a financial institution based off of the relationship that they have with financial institutions.

Equifax has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Equifax did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Product: Credit reporting

I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on Equifax was hacked because they did n't do a good job to protect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Transunion continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Transunion has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution. 

Tracking XXXX
Product: Debt collection

Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act has violated my rights Experian bankruptcy XXXXdischarged reference # XXXX 15 U.S.C 1681 section 602 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
Product: Mortgage

I refinanced my home in XXXX. The mortgage was immediately sold in XXXX to paramount residential mortgage group based out of california. I made my first two payments through them. They then changed to a paramount mortgage group based out of somewhere else ; complete with a new mortgage number. I mailed my third payment to them ( i am paid till XX/XX/XXXX ). My account is an escrow account. I received notice from my insurance company that my insurance was not paid. I called them and they said not to worry with the issues with postage it may just be delayed. On XX/XX/XXXX i received a letter from the mortgage company threatening to force insurance on me at a high rate because i have not provided them with proof of insurance. The letter also claims that i am not set up to pay insurance through escrow which is not true as the escrow amount was set up on the closing of my refinance with my proof of insurance and rates factored in. This is insane. I have been a homeowner for over 8 years and have never had this type of issue. Its poor business. Why would the mortgage not transfer with all the correct information? What options do i have?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX, and XXXX ( re : XXXX XXXX BANK Account # XXXX and XXXX XXXXXXXX Account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX