23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. 
Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. 


XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed
Product: Credit reporting or other personal consumer reports

The following accounts have payment history/summary listed on my Consumer Reports XXXX, Equifax, XXXX I never granted permission to furnish this on my reports. It violates 15USC1681AN. I demand all payment summarys be deleted from these accounts immediately and updated today. 
It violates the Federal Law Fair Credit Reporting Act 15USC1681AN XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just received this text from XXXX ( XXXX ) XXXX This is Unifin a debt collector Contact us about ref # XXXX @ XXXX or XXXX XXXX XXXXXXXX ChargesMayApply Reply STOP to stop texts I do not owe money to anyone and do not recognize the company or the phone #.
Product: Checking or savings account

Everything is listed in the image I took below XX/XX/2023 XXXX XXXX ATM withdrawal XX/XX/2023 XXXX XXXX ATM withdrawal I didnt receive any money at all from atm
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm  of McCarthy Holthus  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter direc tly to McCarthy Holthus within the 30-day period of receiving this notice. McCarthy Holthus should  cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include a ny 3rd party payme nts made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced an d may proceed during the 30-day period In this notice, McCarthy Holthus provides a false statement that    XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   ), is t he current creditor to whom the debt/loan is owed.  XXXX  has never extended credit to us and has no economic interest in promissory note.  XXXX  is only a servicer debt collector.     In a previous notice ( attached with this complaint ) sent to us by  XXXX , they stated that  XXXX   (   XXXX   XXXX   ) w as the creditor to whom the debt was owed.      McCarthy Holthus  and  XXXX  are violating the FDCPA that they must comply with.      XXXX  is not a creditor per the FDCPA   XXXX   XXXX   XXXX    803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends   credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.       XXXX   XXXX   XXXX   Sect ion 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53  Fed.  Reg. 50102 ] a party t hat was assigned a delinquent debt only for collection purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Security Credit Services to validate a debt that they are reporting on my credit, as owing them. In the letter, I explicitly stated that it wasn't a denial of payment, but to validate that the information that they were reporting was indeed accurate and valid. I requested copies of the original contract, which they provided in a response letter from XX/XX/2021, but also copies of all accounting from their client, showing any and all payments which derived them at the alleged amount they state I owe. This concrete information would show the validity of the account, as well as copies of their licenses to collect in my state of residence. Neither of these pieces of information were provided, not to mention the fact that once this account was in dispute they were supposed to update with the credit bureaus the fact that the account was in dispute, a violation of the FCRA. While the letter states they ( Security Credit Services ) are allowed to report information, once an account is in dispute it's supposed to be reported as such. I never asked them to alter anything concerning the account, but once disputed this information should have been reported as in dispute immediately. This they did not do, nor did Security Credit Services report the dispute with the major credit bureaus. All information they admitted to in their response letter to me. I then sent a response letter yesterday ( XX/XX/2021 ) stating that I would be continuing my dispute due to these issue and errors and want to make a complaint due to unfair credit reporting and practices on the part of Security Credit Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX Vehicle Larceny XX/XX/XXXX Vehicle Larceny XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. 

This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft. please block and delete these accounts within XXXX business days pursuant to FCRA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN CO {$610.00} XX/XX/XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX BANK I HAVE CONTACTED THESE LENDERS AND TOLD THEM I HAVE BEEN VICTIM OF DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple certified letters to XXXX, Transunion and XXXX XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. XXXX also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?
Product: Credit card or prepaid card

This is with Comenity XXXX XXXX XXXX fraud open on date XX/XX/23 with amount of XXXX $
Product: Credit card

The call from XX/XX/year> I would like pulled. Based on the description that the manager gave me, Capital One charging me a cash advance fee and interest on top of it for a car payment I made is ridiculous!!! They claim the company put in A CREDIT CARD CHARGE as a wire transfer is why they charged me a fee and from what it sounds like it, continuous interest on a one time payment. I want the fee back and interest returned as well as any future interest they want to calculate on the one time payment removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody got a loan in my name.
Product: Credit reporting or other personal consumer reports

I've had to put an identity theft alert in place because debts that I do not owe is on my credit report my credit score does have not changed out of the XXXX range I've sent letters regarding late payments that was not late the spelling of my name is wrong they have multiple addresses name spelling and phone number that never belong to me
Product: Mortgage

I have been trying to get a reinstatement quote and instructions for nearly two weeks. I spoke with PHH mortgage first on XXXX to discuss options to bring current. I was told I have to call back on XXXX because they don't have all my information yet. On XXXX I called again and was told no modification was possible and to contact there lawyer " XXXX XXXX XXXX '' to get reinstatement quote and instruction. On XXXX I called XXXX XXXX XXXX and was told it would be 3 to 5 business days because they needed to get information from PHH. On XX/XX/XXXX a called XXXX XXXX XXXX again to follow up since no quote was received. They informed me that they are still waiting on information from PHH. That they would escalate the request and I should have reinstatement information sent to my email by end of day or next day at the latest. I then called PHH XX/XX/XXXX to inform them that the lawyer was still waiting ion them. PHH informed me that they sent mortgage information to XXXX XXXX XXXX on XX/XX/XXXX but would call them right now to confirm. PHH representative then informed me that they spoke to the lawyer and I would have reinstatement quote by end of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX XXXX who represents XXXX XXXX XXXX XXXX filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX insurance under policy number XXXX. However XXXX again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. XXXX is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because XXXX fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXX. XXXX is XXXX XXXX  on trying to raise the mortgage payments too cause default.
Product: Debt collection

XXXX XXXX I was notified that I was being sued for a medical debt from XXXX XXXX. I called the lawyer attempting to find out what was owed. He would not send me a detailed bill and said it was owed to express recovery services. Express had contacted me on the phone in XXXX and said I had a bill due with XXXX XXXX. I was never provided any written validation of debt or communication after the phone call. I attempted to go to XXXX XXXX in XXXX And they said I had a past due balance. I asked for the total and paid it promptly. I assumed this was the original debt referred to by express recovery services. I contacted them again a week later and they still had not seen the payment so I tried to pay again but my card was denied due to having already paid the week before ( we only had enough to pay the original amount ). We were never informed that there were actually two charges of debt from XXXX XXXX and that we still owed {$210.00}. They are now suing us for {$750.00} to cover attorney fees for a debt we were never notified of. Only after our response to the lawsuit did we finally see a bill outlining what the original charges were for. After seeing the bill we would like to pay the charges that are owed but now they won't accept it without exorbitant legal fees. This is obviously just a way for the lawyer to make money. If they wanted their actual money from the charges they would have sent us a bill at any time! We were never notified in writing of the debt collection effort.
Product: Prepaid card

The American Express gift card will not work at any online or in store merchant and I would like my money returned if I cant use the card. Called customer service and they cant help me.
Product: Credit card

We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. 
Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.
Product: Debt collection

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Allied Collection Service. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted Allied Collection Service authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

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

I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, Equifax and XXXX on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX/XXXX account XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Checking or savings account

On XX/XX/2023 I mobile deposited {$3800.00} from an IRS tax refund check. On XX/XX/XXXX around XXXX XXXX I received an email that my deposit was being held until XX/XX/XXXX, no explanation. XX/XX/XXXX I woke up to - {$200.00} in my account and my account frozen. Cant use my debit card or add money into my account. Upon calling I was told nothing they could do, check under investigation. I would have to wait till I receive a letter in the mail or until XX/XX/XXXX to make sure the check is paid. Its a government issued check! Called the local branch on XX/XX/XXXX was told my account was being closed due to the fraudulent check. I have the check in my hand from the government and could bring it up there. Nothing they can do until XX/XX/XXXX. Meanwhile I have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proper deferment documentation to  XXXX  on       XX/XX/2017 .  Document was never processed and put in default status in error.    XXXX    offered me a repurchase form in  XXXX /2017. Form was submitted     XX/XX/2017 . Rep urchase form is not processed to date. Many apologies for the error but no resolution. Performant Recovery is not willing to participate in a conference call with  XXXX  to hear directly that this was an error on their end and  XXXX  is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.
Product: Student loan

XXXX XXXX company ECMC offered two account pay off options. One in which was a settlement pay off option and will report as charge off. The other option was a paid in full option and ECMC would request a deletion of their account from my credit profile. So i paid the account in full but ECMC failed to provide a deletion.