23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a notice of wage withholding executed by Weltman Weinberg & Reis Co LPA, received by XXXX XXXX related to a judgment obtained by XXXX XXXX XXXX # XXXX issued XX/XX/XXXX. The judgment and writ of garnishment were obtained and executed using my social security number ; address and place of employment along with another individuals name. On XX/XX/XXXX, I brought this to the attention of XXXX ( XXXX ), with XXXX XXXX XXXX 's Attorney 's office DBA Weltman Weinberg & Reis Co LPA and she instructed me to submit an FTC Affidavit, with my proof of ID to her legal department C/O XXXX XXXX direct fax of XXXX for XXXX to correct and remove my personal information from their files, judgment and release the garnishment. I faxed the requested information on XX/XX/XXXX and received confirmation of the completed fax. Since that date I've contacted and left messages for both XXXX and XXXX four times without a response back. 

I want the attorney firm that obtained the Judgment and filed the writ of garnishment to produce their proof of due diligence to properly verify the debtor, related social security number, place of residence and place of employment identified and used for obtaining the judgment and writ of garnishment. I want verification of the receipt of my fax proper handling and release of the writ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I asked for this account to be updated or removed to paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this consumer problem already and have tried to resolve this many times in good faith. 
They sent it to collections after they were contacted by cfpb. They are harrassingly sending letters and calling and laughing at me after they created this debit fraud by their own hands. I was trying to close this account with a XXXX balance when they debited an amount out of no where.
Product: Vehicle loan or lease

Capital One Auto Finance is reporting a balance of {$33000.00} on my credit report. The vehicle was repossessed a few months ago and sold at auction. When I received my statement it showed impound charges of {$7200.00} XXXX notified them that my vehicle was never impounded and I was never contacted in regards to an impound. They did not investigate this at all as of today my credit report stated that the balance is XXXX which XXXX of fraudulent impounds fees are included in this total. Plus the balance was updated after the vehicle was sold. This has caused me a lot of stress and XXXX. I know that it is illegal to report inaccurate information on someone's credit report.
Product: Debt collection

I had two accounts with XXXX XXXX ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was Crown Asset Management , LLC, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XXXX I received letters stating that my accounts had been sold to XXXX XXXX XXXX XXXX. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
Product: Debt collection

Hi, how can you be late and past due on collection accounts? Why are you failing to provide me detail request to validate this account? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I requested my original contract and wet ink signature therefore I want the item removed immediately and dropped to XXXX balance XX/XX/2023 by certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter below via Certified Mail to Experian. Experian notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Experian over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Since XXXX the following Data breeches that are listed below have taken place and my information has been leaked in each XXXX of them. At this point my data has been leaked so many times thatI can not understand why these companies are not begin held accountable. I am continue to get emails saying my info has been leaked on the dark and now i am getting calls that I have taken out loans in states that I haven't lived in for several years up unit this past year. The person says the loan was taken out in XXXX and I lived in a whole different state. I did ask to get the copy of the agreement with my signature and the ID that the took but have yet to get anything. I just can not be held accountable for someone else actions. As of recent I have locked my credit however up until a month or so ago my reports were not locked. I know there could be other things that are possible on my credit due to the continued leaks of my data. 
As of XX/XX/XXXX I have locked my credit reports XXXX Data Breech XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach XXXX XXXXXXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX Data Breeches XXXX ( again ) XXXX XXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again ) XXXX XXXX XXXX ( again ) XXXX XXXX ( again ) XXXX AT & T ( Again ) XXXX XXXX XXXX XXXX XXXX Truist
Product: Credit reporting

I tried to retrieve my free annual credit report, however, after answering the prove your identity questions incorrectly ( all questions ) they refused to allow me access to the report. Also, that the questions asked were all pertaining to a credit loan and a a mortgage lender and an a person who I never heard of let alone reside at the address ever to my knowledge which is making me nervous.
Product: Credit card or prepaid card

Based on the Equal Credit Opportunity Act I believe I was discriminated against. Chase gave the reason of not having a deposit relationship which I do have and not having enough credit furnished to my consumer report as a reason to decline my application for credit.
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. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

15 U.S.C. 1681B ( 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

I am filing this complaint to address several inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws related to my credit report. These inaccuracies have caused me significant harm and frustration, and I demand immediate resolution. 

FCRA Violations ( 15 U.S. Code 1681 et seq. ) : Inaccurate Information Reporting : My credit report contains numerous items, including bankruptcy, evictions, credit cards, and loans, that were decisions made by my former husband during our marriage, where I had no income or involvement in obtaining these accounts. Per 15 U.S. Code 1681e ( b ), credit reporting agencies ( CRAs ) are required to maintain maximum accuracy in their reporting, which has not been upheld.

Dispute Resolution Failures : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), CRAs are required to investigate disputes promptly and verify or remove inaccurate items. I have attempted to dispute these items, but they remain on my credit report without proper investigation or resolution. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion of unverifiable information, which has not been adhered to in my case.

Unauthorized Use of Credit Information ( 15 U.S. Code 1681b ( a ) ( 2 ) ) : My former husband 's actions during our marriage, including opening credit accounts and filing for bankruptcy, were done without my explicit consent. Under 15 U.S. Code 1681b ( a ) ( 2 ), CRAs are only permitted to furnish consumer reports for permissible purposes and with proper authorization, which was not obtained in these instances.

FDCPA Violations ( 15 U.S. Code 1692 et seq. ) : Communication Violations : Debt collectors have contacted me regarding debts that were not authorized or created by me, violating 15 U.S. Code 1692c, which regulates communication with consumers.

Validation of Debt : Under 15 U.S. Code 1692g, debt collectors are required to provide proper validation of debts within five days of initial communication. In several cases, this requirement was not fulfilled.

Billing Error Resolution ( 15 U.S. Code 1666b and 12 CFR 1026.13 ) : Items related to accounts opened by my former husband were inaccurately reported as my responsibility. Per 15 U.S. Code 1666b and 12 CFR 1026.13, creditors and CRAs have a duty to correct billing errors, which has not occurred in my case.

Right to Rescission ( 15 U.S. Code 1635 ) : I was not informed of my right to rescind certain transactions that affected my credit during my marriage. This omission is a violation of 15 U.S. Code 1635.

Ongoing Litigation and Systemic Issues : Recent lawsuits and settlements against Experian and XXXX highlight systemic issues in their reporting practices. These include failure to investigate disputes, inadequate safeguards to ensure accurate reporting, and improper handling of consumer information. My experience aligns with these concerns, further demonstrating the need for immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a credit freeze with Experian in XX/XX/2017 after the XXXX  data breech. I wanted to temporarily unfreeze my credit with Experian today and was unable to do so. I have the PIN that was issued at the time of freeze and that still didn't work. Now they want me to mail a letter generated with the denial, along with three other forms of identification. I had no issues unfreezing my credit with XXXX or XXXX today, so not sure why Experian is not complying with the new federal law that requires my credit to unfreeze within an hour. Additionally, there is no way to talk to someone over the phone.
Product: Credit reporting

On XXXX XXXX, the Transunion Credit reporting agency removed XXXX inquires ( XX/XX/XXXX-XX/XX/XXXX ) from report raising my credit score XXXX points. Two weeks laters, they added all of theose inquiries back pushing my lowest score low enough that we wo n't be able to purchase a house. When I called the Transunion to ask them to remove the inquiries, they told me that they did not remove any inquirires. Despite having screenshots documenting that the XXXX inquiries were removed, then re-added, they denied doing it and said that if I wanted the inquiries removed for me to please go back to the creditors.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Can you verify the documentation? Certain accounts listed are inaccurately reported.
Product: Checking or savings account

I have several accounts with Capital One. I went onthe website one day and saw an offer To open a new savings account with them and recieve a interest rate of over 4 % and a {$1500.00} bonus. 
I was led to believe that by depositing {$20000.00} into a new 360 savings account, and leave the money in the account for 90 days, I would recieve a {$1500.00} bonus. 
I read the advertisement fully and decided it was a good idea, so I opened the account and started making arrangements to transfer the money for the deposit. After doing some of my own calculations, I was confused about the required steps, I decided to reread the rules to make sure I was doing things properly. When I went back into the website I could not find the rules. 
I called Capital One and spoke to the Representative to find if I had done things correctly, and when I would be recieving my bonus. She led me through the opening of the account, including the step of tapping the {$1500.00} bonus offer. 
I have several accounts with Capital One and have never had trouble with them where I had to issue a complaint, so I went ahead and made the deposit. 
After the 90 days, I recieved a {$300.00} bonus. 
I figured I had screwed up some how or maybe they were going to pay the {$1500.00} in increments. 
Im XXXX years of age, and my mind doesn't work as well as it use to. Since I saw the artical about the law suit, I fiure maybe I've been dupped.
Product: Debt collection

Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX XXXX XXXX listed on my credit file, immediately I contacted XXXX XXXX XXXX  to report fraud. When I call in XXXX XXXX XXXX  they can not verify my address or my name as I write it only my SSN and not my correct address or date of birth. Recently I provided this information to them for to dispute debt. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only when I call with the account belongs to me, Ive sent out multiple letters with no response from the company. I get transferred to multiple departments with no resolution. I sent a police report to company with no debt validation or due diligence on their end. I contacted them with all of my info including copies of my ID and asked that they provide the information they were given this way I can take to the police department. Today I called in and they said I had to pay debt even though I completed the fraud packet and was able to provide police report, fraud affidavit and all documents they requested. 

I also let them knows on my credit file there were no payments made on this account at all. They were also able to verify no payments were made on this account and no information for my identification. I also asked why they didnt follow my credit file and bypassed credit freeze. All of new credit must call me via phone to verify I am the person requesting credit. Representative stated no record in file of FCRA verification requirement. 

Please remove from my credit file. I refuse to pay a debt that doesnt belong to me. This is very stressful. I continuously am being targeted and this company is not following FCRA fraud requirements. 

XXXX XXXX XXXXXXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My XXXX shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.