23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint # XXXX to dispute a collection on behalf " XXXX XXXX " of previous last month and the company responded : Fein, Such, Kahn & Shepard , PC ( hereinafter FSKS ) represents the Creditor/Plaintiff in regard to this matter. XXXX XXXX ( hereinafter Consumer ) filed this second CFPB complaint before FSKS has had an opportunity to respond to the initial CFPB complaint. The entire purpose of the Regulation F letter is to provide the Consumer with an opportunity to dispute the debt and request documentation to substantiate either the underlying debt or the judgment. It has come to light that there was a clerical error with the docket number and that the docket number was off by one-digit. There is a valid judgment in the Superior Court of New Jersey, XXXX XXXX, under docket number XXXX. However, as mentioned in the initial response to the Consumers first CFPB complaint, FSKS will not be proceeding with collection activity on the long-standing valid judgment but the Creditor will be within their right to proceed in the future if they deem appropriate at a later date. It still must be noted that this CFPB complaint substantively is a dispute under the FDCPA. There was no misconduct under the part of the Creditor or FSKS. This judgment was and is valid.

I do not see any judgment valid on Data base NJ Courts XXXX XXXX ) they said it was an error on number DC they provided and nothing still in there. As per Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

As result this should be write off and decease any activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Debt collection

I am a federally protected consumer speaking on behalf of myself of the events that occurred. On XX/XX/2021 I reached out to via email Afterpay and requested all previous or current loan applications that are on my file. On XX/XX/2021 I received an email from the Afterpay Team that they do not provide a statement of account ( see attached screenshot ). If they are unable to verify any past, current or future loans, these loans are therefore invalid. Any payments that I made in the past did not pay a debt. Where did the payments go if I did not receive any loans? If a debt collector can not provide validation of the alleged debt, it is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

verizon - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine XXXX XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine syncb/car care - account number XXXX opened XX/XX/XXXX - this account is mine XXXX XXXX - account number XXXX opened XX/XX/XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX XXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report COMENITYXXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX
Product: Debt collection

XXXX Sent my account into collections for the amount of {$270.00}. I never received a bill or an invoice from XXXX stating what I owed them for. I checked my credit a few months back and saw a collection from a company called " CLLCN BUREAU OF THE HU ''. 
I disputed this information a few months back and never received any response from the collection agency. They didn't return any of my letters but insisted on keeping the account on my credit report. The company has not marked the account as disputed in the 30 day time frame from the original receipt despite my multiple attempts on having them validate the debt. 

I am attaching all three letters that was forwarded to the collection bureau of the hudson as well as the proof that they received all three letters
Product: Mortgage

I am 2 months behind our mortgage. I have been in communication multiple times with our mortgage company - Mr. Cooper explaining our financial hardship we also signed for a certified letter sent to us by Mr. Cooper. Two XXXX  men came onto my property and would not disclose their business and refused to ID themselves. We took documents they had with them titled " vacancy certification '' without any company header or company information. We called Mr. Cooper and inquired if they could provide any information as to why these 2 unknown men came to our property. We were not given any information other than Mr. Cooper has the right to protect their asset.
Product: Mortgage

On XX/XX/XXXX, I authorized a withdraw using be debit card in the amount of {$490.00} for an appraisal for a mortgage refinance. My account was charged {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX, my account was charged again for {$490.00}. This was unexpected and unauthorized and sent my account into overdraft. I contacted Loan Depot immediately. They admitted it was their error and promised to have the amount credited back to my account. 
Though I have contacted them repeatedly and they keep saying they'll return the funds, I still have not received the refund.
Product: Debt collection

I have asked Credit Corp Solutions Inc to validated and verified a detailed list of payments made by me on this account. I asked for them to provide me with the original contract with my signature guaranteeing that I would pay this creditor. Also, I wanted to know if there has been any insurance claim file on this debt, if so, I want a copy of the 1099C that never provided to me. And lastly, I want proof they have chain of tittle to collect on this debt. Reminder Credit Corp Solutions Inc is not showing on my credit report but yet they're trying to sue me, i really want to know what type of company this is,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 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 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

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Again, I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, I also repeat that there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX ======XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ======TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Product: Debt collection

I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.
Product: Credit reporting or other personal consumer reports

Under the laws of the State of Kansas UCC K.S.A. 84-9-101 to K.S.A. 84-9-809, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Product: Credit reporting or other personal consumer reports

I recently reviewed my ChexSystems Consumer Disclosure report and noticed an entry that appears to be inaccurate or fraudulent. The entry in question does not correspond to any account or transaction that I recognize. 

Timeline of Events : Date of Report Review : [ XX/XX/year> ] Upon reviewing my ChexSystems report, I noticed an entry under my name that I do not recognize. 

Date of Initial Contact with ChexSystemsXXXX XXXX XXXX XX/XX/year> ] I called ChexSystems and XXXXXXXX XXXX to inquire about the entry and request the removal of the information. During the call with XXXX, I was informed that my name or any information provided was not found in the system. Despite this, the entry was still listed on my report. 

Attempt to Pay the Reported Balance : [ XX/XX/year> ] In an effort to resolve this quickly, I asked if I could simply pay the balance that is reported on my account. However, I was told that my name or any identifying information was not in their system, and they could not explain why the information was appearing on my report. 

Actions Taken : I filed a dispute with ChexSystems regarding the inaccurate information on my report. 
I submitted a claim for identity theft and provided supporting documentation, including my Identity Theft Report and any related documents.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent f
or the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Debt collection

Sentry recover XXXX promised to remove collection account completely from my credit reports and it still shows on the transunion credit report. I have tried numerous times to contact the company as well as dispute it with the credit reporting agency to no avail.
Product: Debt collection

I took a online payday loan for {$300.00} dollars from a Company called XXXX XXXX approximately 8 years ago, I payed the debt in full 8 years ago and since then my information was sold to other debt collectors that are trying to double dip on payday loan debts that have been payed, Ive been threatened to be arrested and humiliated at my place of work if I dont pay the debt Ive already payed, Ive contacted the FTC in the past. Ive have had no issues with my credit report for the past 2 years, today I got a notice from XXXX XXXX that a company called : Midwest Recovery Systems XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, MO XXXX, posted a collection to my credit report and made my score drop 50 points. Midwest Recovery said they got my debt from XXXX XXXX XXXX XXXX, Ive done some searching and Midwest Recovery is fraudulently putting dings on peoples credit reports who never even had a payday loan in  the past. This is a false and fraudulent claim to my credit report and companies like these should be shut down and prosecuted to the fulliest extent of the law for fraud.
Product: Credit reporting or other personal consumer reports

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Experian, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic.

As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner.

In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Experian, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. 

Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Experian. 


Experian is also reporting my credit acceptance account as open with a balence this is incorrect. My credit acceptance account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  I don t owe   XXXX    XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated
Product: Credit card

Didn't receive the services from Target rewards program, and was wondering why they can't assist further. Wanted to know I wanted to speak to the fraud department ( Misdirected the call, but for no reason ) There was a problem with the initial sign up process on the web site