23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX, I received a call from a XXXX claiming to be from Universal Collection Systems. She simply told me to pay a debt of {$50.00} and then asked for my card details. It seemed suspicious to give my details over the phone so I asked for a website and put the information there. I still find it strange that a debt collector needs my card number, expiration date and the three numbers on the back. I was never told what the debt was for.
Product: Debt collection

XXXX  years ago I has radiology work done through the XXXX. I was covered insurance through my job which was XXXX XXXX XXXX XXXX of XXXX  and I was also ins through the state which I still have XXXX XXXX XXXX XXXX XXXX. This bill was covered through anthem. The radiology only billed XXXX ins which was my secondary. A whole year later anthem reversed the billing saying to radiology they were secondary ins and needed to bill my first insurance and they would cover the balance. Instead they billed me. I gave them all my information they asked for. I also asked for an itemized report for what they were charging me for and they sent a bill with no itemized report. They then sold my debt after I disputed it to a credit company named plus four which I explained everything to asked them to not contact me anymore and they continued to contact me and harass me for months. I disputed it with them as well. Now they have added it to my credit report.
Product: Mortgage

We had a loan on a piece of property on the Florida XXXX XXXX with Wachovia. Wells Fargo bought Wachovia, so the " lot '' loan transferred to them. After the real estate market crashed, the loan was up for renewal/refinancing in 2012. Obviously, it was upside down. We initiated contact with Wells Fargo on refinancing and they insisted we come up with $ XXXX and they told us they were going to increase the interest rate to 6+ percent ( rates were 3 to 4 % at the time ). We had perfect credit, with scores at or above XXXX. We explained that we were happy to continue paying on the loan but could not come up with the $ XXXX cash they needed. " XXXX '' informed us if we just did n't pay for 60 days then the loan would go to a different committee that would be more flexible. We followed his advice. At 60 days, after many phone calls initiated by us, we finally reached a lawyer that said they were about to initiate foreclosure proceedings. She was surprised to hear we were still willing to make ( full ) payments and had informed Wells Fargo of this. We explained everything we had been discussing with XXXX and she informed us he was on leave. She advised we could continue to make payments at 0 % interest, no foreclosure, and they would just take the loan " off-ledger. '' Although we had never heard the term " off-ledger '' we agreed. Since that time, for over 4 years, we have made every single payment. However, our credit report shows as if we have not made a single payment for 4 years and looks the same as if it is foreclosed. We have written letters -- to no avail.
Product: Debt collection

I am filling a complaint against this company because I have written this company on three different occasions requesting a copy of the purchase agreement and or any other documents bearing my signature showing that I have legally binding contractual obligation to the alleged amount they claim that I owe. This company has not provided me with a purchase agreement or any other type of documentation bearing my signature. If this company can not validate this debt or produce documentation proving their claim, they are required Under Section 809 of the FDCPA to stop all collection and remove this account from my credit. 
Additionally this account is not a valid debt, as the debt collection agency listed on my credit report, LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in the State of Arkansas, where I reside. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. 
Given that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in California, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date assigned XX/XX/year> {$39.00} Fraudulent account utility account set up with XXXX  XXXX XXXX
Product: Credit card or prepaid card

Chase Bank closed my credit card without my knowledge and authorization. This prompted my credit score to fall drastically. I called the banking institution and they said they could not tell me why they closed my credit card account. I spoke to a manager who again, told me they can not tell me why the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted you before about these accounts on my report that were opened fraudulently. You responded that they were verified and provided no information after I requested the verification method under section 609 of the FCRA. I stated in that letter that these accounts did not belong to me so I know that they couldn't be verified. I have now moved on and submitted a complaint with the Federal Trade commission. The report is attached. Please remove these accounts from my report within 4 business days as per section 605 of the FCRA. Happy Holidays and thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to contact the company, they stated that they no longer have the debt and they couldnt verify it. They stated they have no paper work on the alleged debt. I called and wrote multiple times to no avail.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian llc .debt sold it agin to experianl account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never sign contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows Experian also fail to send a updated report to me also denied me any information on me in they file I recored our phone call as well saying the documents I sent wasn't legible but they sent in a dispute Experian has made this really hard to communicate with them I also has recored call with the members at Experian telling me they did a dispute with companies with the documents they said they didnt receives
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax consumer report, and I noticed some late payments posted on the Consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.
Product: Debt collection

The Gurstel Law Firm PC was hired by the XXXX XXXX XXXX XXXX  to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXX  which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX firm has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XXXX XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

Equifax is declining the request to block information for XXXX XXXX  survivors. Agape Advocating Consulting is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/scrub>/2025 Total fraudulent amount : {$2400.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$120.00} Fraudulent Insurance Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$1500.00} Fraudulent Insurance Company or Organization : XXXX  Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$400.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$18000.00}
Product: Consumer Loan

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by DT CREDIT on XXXX/XXXX/2016 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Credit card or prepaid card

I was charged {$280.00} by Amazon in XXXX on my Southwest credit card from Chase bank. I checked both my Amazon account and my wife 's account and there were no purchases reflecting this amount. I called Amazon and they pulled up the purchase and claimed it was for a paperback book and confirmed my name and address. I did not, nor would I ever, spend {$280.00} on a paperback book. I immediately called Chase to report my card number as stolen and dispute the charge. I was given a credit originally, but then received notice that it was recharged because Amazon had provided proof that something had been shipped to my address. I did not receive any item. I've called both Amazon and Chase repeatedly to report this as fraud, and they both are claiming that the transaction is valid. It is obvious to me that someone clearly got access to my card number, opened a seller 's account with Amazon, listed a paperback book for nearly {$300.00} so they could get that money from me, and then shipped something to my address. My only assumption is that it was an envelope or some sort of junk mail that got discarded. I have since closed my Chase credit card and paid the amount to prevent my credit from being impacted. However, I just received another letter from Chase saying that they have closed the fraud claim and will not respond to additional reviews without additional information. The last time I spoke with them they said we needed Amazon to provide documentation stating that we did not purchase this item, but Amazon will not do so. Regardless of whatever was apparently shipped to my address, I did NOT order this item and am the victim of fraudulent activity.

I opened this card specifically to make a large purchase ( countertops ) for a home remodel. That purchase was paid off in the next billing cycle. Other than that, I'd only used it two other times for small purchases when I didn't have another card with me. This purchase is suspicious on it's own, but is also outside of our normal activity and not connected to either of our actual Amazon accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX mi XXXX XX/XX/XXXX Creditor Name Attn : ALLY FINANCIAL To : Whom It May Concern : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT INQlJJRY REMOVAL LETTER This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. l have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you arc also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681 b ( a ) 3 ( t ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with ally finance Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with ally finance for review or collection.

Pursuant lo 15 U.S.C. 168ln ( a ), " Any person who knowingly and willfully obtains information oo a consumer from a consumer reporting agency under false pretenses shalJ be fmed under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating tl1e FCRA, I am willing to settle your civil liability damages I have sufiered as a result of your violation for XXXX pursuant to FCRA 616 ( a ) ( l ) ( B ) [ 15 U.S.C. 1681 n ]. Should you fail or refuse to settle tl1e matter by tendering payment in the amount of XXXX XXXX within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I got a letter from I.Q Data saying I could settle for a percentage of my balance. I gave them a call and we came to an agreement. I paid {$100.00} the associate told me I would have an receipt within the hour no receipt was ever sent to me then they claimed they dont send receipts. I asked for a letter stating our agreement and that the collection would be removed from my credit they assured me that it would be removed after full patent but didnt want to send me anything in written. I have called multiple times and talked to different people, all the associates were rude and disrespectful. I have started to record my conversations with them to cover myself.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.