23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Mortgage

We had XXXX we were out of work, Flagstar offer a forbearance program. Now we are well and able to pay, they are not offering a repayment plan. They want {$11.00}, XXXX paid in cash or they are going to foreclose. Everything online says they are supposed to modify our loan, they say that is not an option. They are not giving us any options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have encountered with TransUnion, a credit reporting agency. 

I recently noticed that an account appears on my credit report that I do not recognize. Upon further investigation, I discovered that the account was previously owned by a collection agency. However, I have since resolved this debt and the account is no longer in the hands of the collection agency. 

Despite my efforts to have the account removed from my credit report, TransUnion continues to report it as an active debt. This is not only inaccurate, but it is also causing damage to my credit score. 

I have contacted TransUnion multiple times and provided documentation proving that the account is no longer in collection. However, the company has not taken any action to correct the error. 

I am extremely frustrated and concerned about the impact this error is having on my credit. I am seeking your assistance in resolving this matter and ensuring that TransUnion correctly reports my credit history. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XX/XX/2022, someone used my identity to open two accounts in Bank of America. One account has a balance of {$210.00} as of XX/XX/2022. I called Bank of America but they said they can not find the account. I have never opened any account in Bank of America. I believe this is identity theft.
Product: Credit card or prepaid card

To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2020 or my company account. 
I want you to know that I understand and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to file for a Chapter XXXX Bankruptcy XX/XX/2020 of this year. My bankruptcy was rightfully XXXX as of XX/XX/2020. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 
In the near future, I am planning on applying for Auto Loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/2020 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 

Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been inaccurately reporting this account on my credit, on top of that they reported it charge off this year drastically affecting my payment history Im asking for the removal of this account its not mine!!! And no proof has been sent to validate it
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. I was a victim in the XXXX Equifax data breach, the XXXX data breach, a hospital breach, and the XXXX data breach. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.
Product: Checking or savings account

I made a deposit into my account and the bank has placed a 7 day hold on the funds. I called and requested the bank to release the funds however they would not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Debt collection

About a month ago, I filed a CFPB complaint against Debt Recovery Solutions about their agency reporting XXXX unverifiable XXXX XXXX on my credit report for {$980.00} and {$610.00}. They responded to the previous complaint, and agreed to delete the accounts from my credit profile. In fact, this was their exact response : " Company 's Response XXXX XXXX This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau XXXX The accounts in question were referred to our office for collection in XXXX. In light of the information set forth in this complaint, we have closed these accounts and returned them to our client for further processing. As such, all further collection activity by our company has been suspended. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing XXXX XXXX  XXXX '' Unfortunately, we have still not received anything from Debt Recovery Solutions about the origin of these debts, and in addition, they are still reporting them on my credit report almost an entire month later. So Debt Recovery Solutions continues to take no action to resolve my issues, and continue to needlessly damage my credit rating by allowing these accounts to continue to drag down my credit score.
Product: Debt collection

A boyfriend of mine left me. I am a XXXX and he took everything that he owned while I was on the road. Now I have a debt collector and Ashley Furniture calling, harassing, and threatening me on a continuous basis as if I purchased this furniture from them. I have talked to them numerous times and advised them of this but they continue to call and harass me. I want the calls to stop immediately. I do not have a debt with them and have never signed a contract with them. Their issue is not with me and I find it ridiculous that I am being held responsible for this. I also find it asinine that they can contact me because of word of mouth from him. They have threatened to lock me up twice. How can a company get away get away with such blatant disregard for proper placement of responsibility. They have told me that they are going to advise him to have me locked up for his debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has appeared on both my Transunion and XXXX credit report as an open account within the last few days. This same company appeared on my XXXX credit report in XXXX and it was disputed then as a fraudulent account. Now, the same company has shown up on my other XXXX credit reports. This account is not mine. When attempting to call the company directly, no one answers the phone nor does anyone call back when you leave a message. When trying to talk to someone through the website, there is no option to support help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to mention XXXX companies. The first one is a credit card company named XXXX XXXX which also goes by the name of XXXXXXXX XXXX XXXX The other is a collections agency that goes by the name of Springs Oaks Capital LLC. They came into play when XXXX XXXX fraudulently sold my account to them and they then attached themselves to my account trying to collect a debt they are not entitled to. 

On XX/XX/XXXX I called XXXX XXXX aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX dollar line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXXXXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. 

In XX/XX/XXXX XXXX months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00} and the account had been sold to Springs Oaks Capital LL. My bank statements clearly shows the payment received and processed. 

I reach out to XXXX XXXX several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. 

The XXXX XXXX XXXX informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So I have escalated this all the way to this XXXX for assistance. I have documents that will support all of what I stated.
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 15USC 1681 Account Name Credit Card Account number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX Account Name Credit Card Account Number XXXX 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 : Its 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 1681sXXXX2 ( 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

When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XX/XX/XXXX. The judgment was also filed in XX/XX/XXXX. The debt collection agency is Dominion Law Associates, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to XXXX XXXX Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at Dominion Law Associates with no success XXXX her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by XXXX a point which will cost me money for years to come because of the incompetence and lack of concern on the part of Dominion Law Associates through no fault of my own. 
On XX/XX/2015, I made payment in full of {$2200.00} to Dominion Law Associates to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, Dominion Law Associates finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at Dominion Law Associates, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from Dominion Law Associates, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

An incident that occurred before I even could receive my license when I was XXXX that was expunged when I turned XXXX keeps re appearing saying I dont have a license when I clearly had to get a license for it to be suspended!!! None of it is true information
Product: Payday loan, title loan, personal loan, or advance loan

Dear Net Credit Team, Re : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to bring to your attention the provisions outlined in 15 USC 1691 and 12 CFR 1002, which pertain to the Equal Credit Opportunity Act ( ECOA ) and the implementing regulations of the Consumer Financial Protection Bureau ( CFPB ). These laws prohibit credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. As a consumer, I value the protections afforded by these laws, which ensure that all individuals have equal access to credit opportunities and are treated fairly and without discrimination in the credit application process. It is important for financial institutions and creditors to comply with these laws to promote fairness and equality in lending practices. I trust that your organization is committed to upholding the principles of nondiscrimination and fair lending as mandated by 15 USC 1691 and 12 CFR 1002. I appreciate your attention to this matter and look forward to continued compliance with these important regulations. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I purchased an accessory for my XXXX on XXXX  website. XXXX  info about the item said it was compatible with XXXX  XXXX, XXXX XXXX, which I have. When I received the item it was not compatible with my XXXX.I tried to return the item and they sent me an email that supposedly had a link to print a mailing label. The link did not work. The instructions say I could not return it to an XXXX XXXX since I purchased it online. I called Chase, my credit card company, to dispute the charge of {$30.00}. The woman I spoke with told me I would get a conditional credit and the company had 7 days to respond, and if I didnt I would get a permanent credit. I received a letter from Chase on XX/XX/XXXX several days later but it didnt mention the 7 days. Today I received the exact same letter from Chase dated XX/XX/XXXX but nothing was resolved and no action was taken by Chase. I am enclosing a copy of the letter. 

Today, XX/XX/XXXX, I called Chase and spoke with XXXX and asked to explain what was happened. I told him the woman I first spoke with 3 weeks ago told me I would get a permanent credit is XXXX didnt respond within 7 days. I asked him if XXXX responded and he told me no. I told him it had been 3 weeks, well beyond the 7 days. He told me the 7 days was the deadline for Chase to start a formal dispute, not that I would get a permanent credit. I ask him how long XXXX had to respond. He refused to respond at first. He told me it was dependent on the situation. When I pressed him he told me 2 billing cycles or 60 days. I told him that was not acceptable and I would file a complaint with your agency if necessary. He refused to do anything further so I said goodbye and hung up. 

Note : I have 2 Chase cards. This complaint is about the one ending in XXXX. The other one I have is for XXXX. I am also attaching a photo of the product and description.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and XXXX XXXXXXXX
Product: Debt collection

XXXX, Experian, and XXXX have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.