23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called XXXX XXXX customer service and stated that I seen on my credit report from a collection agency that there was a {$130.00} bill. The representative stated that the bill was for internet services. As I explained the bill was not mine and representative then stated there also was a wireless account in my name. The representative stated the name on the account was XXXX XXXX. I explained that was not my name. The representative tried to get me to give my name so I can correct it. I refused began to ask more questions about the wireless acct rep had to transfer me to that dept. once transferred the representative asked what my name was I stated and the reason why but the representative also corrected my name on the acct and stated the name was incorrect at first. I began to fuss and asked for fraud dept and was upset rep changed it when I stated it was incorrect and I didnt want it corrected I wanted the information and fraud dept. Rep did state to me that both accounts were opened together. Spoke with fraud they stated the account was valid due to social used and that they had the incorrect name. Which was still reported inaccurate to the credit bureau. I asked can I receive an itemized bill or contract. Rep stated it would be emailed within 2 business days. Days passed still no resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX
Product: Debt collection

CFPB Complaint against DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  Louisiana XXXX Email Address XXXX : Date : ( XX/XX/2024 ) Financial Product : Debt Collection Company Name : DNF Associates Complaint : CFPB I am filing a complaint against DNF Associates for violating the Fair Debt Collection Practices Act ( FDCPA ) in several ways.

Licensing and Bonding : DNF Associates is not licensed or bonded in my state, [ Your State ]. The FDCPA requires debt collectors to be properly licensed and bonded in the state they are collecting debts from.

Five-Day Notice : I did not receive a written notice from DNF Associates at least five days before they placed any negative information about the debt on my credit report. The FDCPA mandates debt collectors to send a written notice detailing the debt and your rights to dispute it before reporting it to credit bureaus.

Unaware of Debt : I am unaware of the debt that DNF Associates is attempting to collect. The FDCPA requires debt collectors to provide verification of the debt upon request.

Dispute Opportunity : I was not given a fair opportunity to dispute the debt before it was reported on my credit report. The FDCPA grants consumers the right to dispute the validity of a debt within 30 days of receiving the initial communication from the debt collector.

Lack of Proper Notification : I did not receive any proper notification regarding this debt. If DNF Associates claims they sent a notification, I request a copy of the certified mail receipt with my signature as proof of delivery. 
Request : I request the CFPB to investigate these violations by DNF Associates and take appropriate action. This may include : Ordering DNF Associates to remove any negative information about the debt from my credit report. 
Ordering DNF Associates to cease all communication attempts regarding this debt.

Requiring DNF Associates to provide verification of the debt. 
Silence as Acquiescence : I consider a response from the CFPB within 15 days of receiving this complaint essential. Silence on this matter will be considered acquiescence to my claims. 
Supporting Documents : ( ID AND PROOF OF ADDRESS ). 
Please Note : I have kept a copy of this complaint for my records. 
Thank you for your time and attention to this matter. 
Sincerely, Your Signature XXXX XXXX XXXX XXXX
Product: Debt collection

According to Portfolio Recovery a XXXX XXXX XXXX  credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX TN CHILD SUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number XXXX has violated my rights XXXX5 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2017, ENHANCED RECOVERY COMPANY , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my XXXX credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.
Product: Debt collection

I have been disputing this debt with XXXX for over the last two years now. This debt does not belong to me. I have been a victim of identity theft several times. XXXX has refused to deem this debt as invalid and not belonging to me. 

The last time I disputed this account, the fraud department let me know that the debt is being deemed valid because of credit payments made on the XXXXXXXX XXXX XXXX  account from a XXXX XXXX  account in my name and asked me to provide proof that the XXXX  account was not mine and that I did not authorize the opening the of the XXXXXXXX XXXX XXXX or XXXX  Account in order for the negative XXXXXXXX XXXX XXXX account to be removed from my credit profiles. 

As a result, I researched this claim because I did not have a XXXX XXXX account. I pulled my consumer report on XX/XX/year>. I saw the account XXXX was referring to on my consumer report and filed a dispute to get the account removed and my consumer report updated. The fraudulent XXXX credit card account used to make payments to the credit card was removed and my consumer report updated effectively. I have attached the old report and new updated report reflecting the removal of the XXXX account due to identity theft and the account not being mines.
Product: Debt collection

XXXX put this on my credit without permission code 1681 ( 2xi ), code1666b code 12 cfr 1026.13 code 1692. -91 and this was paid XX/XX/XXXXXXXX XXXX XXXX XXXX passing my information to other credit reporting agency
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent activity associated with my credit file and request immediate action under 18 U.S.C. 1028A, which pertains to aggravated identity theft.

I did not have control of my account for those late payments and I need them to removed and rectified immediately.

Upon reviewing my credit report, I discovered unauthorized accounts and/or transactions that I did not initiate. The fraudulent activity includes : Under 18 U.S.C. 1028A, knowingly using another persons identity without authorization is a serious federal offense. Since I did not authorize these transactions, I demand the following immediate actions : Investigate and remove the fraudulent accounts and inquiries from my credit report. 

Provide me with all records and documentation related to these accounts and transactions. 

Report this fraudulent activity to law enforcement authorities as required under federal law. 

Ensure no further unauthorized activity occurs under my identity. 

I have attached copies of my credit report highlighting the fraudulent activity, along with any supporting documentation.
Product: Debt collection

Berlin-Wheeler Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX : Phone : ( XXXX ) XXXX I called to speak to this company regarding a debt notice for XXXX XXXX XXXX When I reached out to them I asked for an itemized statement of facts to make sure the charges were correct as I felt they were not. They advised they would contact XXXX XXXX  and get back to me within ( 7 ) business days. At that time I asked for a itemized statement from XXXX which they said they would provide. On day 15 I contacted them because they hit my credit report when I was disputing the amount owed until I received an itemized statement from XXXX XXXX which I paid the balance because I'm in the process of buying a house. I finally received the itemized statement a week after I paid the balance. 

I believe this should be removed from my credit completely due to them not communicating correctly when I was in communication with them to make sure the charges were correct to pay.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) 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 the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$300000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, 4 ) not able to get funding and many loses plus emotional distress of me and my children. I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

NCA Has been fraudulently, trying to collect a debt that I do not own, and that they do not own!! Nor will they remove the debt from my account nor are they the original creditors of the debt yet they have changed their selves to the original creditors on my credit report!! There has been several other disputes, even showing that they are not the original credit and they still remove Refuse to remove themselves off of my XXXX account!! Also, the debt that they are trying to collect is from first financial, who have already posted a debt on my Consumer report. NCA is also trying to collect the same debt as first financial the orginal creditor. and pass it off as a debt from bank of pasco.. Upon speaking to bank of pasco they have no reccolect of the debt.. They are posting double creditors for the same debt. 
Upon speaking the first financial, they said they sold the accountant that they did not post on my credit!! NCA HAS FRAUDENTLY TAKEN OVER MY CREDIT!! they have also already removed themselves from my XXXX in my experience, but refusing to remove themselves off of my XXXX account, causing me great problems posting accuracies derogatory remarks and FCRA on my consumer report!! I am asking that they will be removed off of my account at once!!
Product: Mortgage

Please cross-reference with XXXX complaint # XXXX. 
I was contacted through email ( attached for this case ) on XXXX/XXXX/2015 by attorney XXXX XXXX with the attorney firm of Houser & Allison, APC. She said that they are outside managing counsel for XXXX XXXX XXXX, XXXX, and were retained to handle issues surrounding a loan. In my initial response to XXXX XXXX, I asked if they were representing any other parties other than XXXX. In her response, XXXX XXXX said that they represent XXXX and the owner of the debt without identifying who that owner is. In my response, I asked who that party is, and any other parties yet unidentified. Her response ignored this question and other questions, and proceeded to threatened me with foreclosure on the property. 
Previously to dealing with Houser & Allison on this matter, I had to deal with the attorney firm of XXXX XXXX XXXX. I was contacted in the same fashion, through email. I asked similiar questions to the attorney for that firm, who refused to answer them. 
There was a previous attempt to foreclose on the property by a foreclosure trustee, XXXX XXXX XXXX XXXX After I disputed the attempt to foreclosure with them and XXXX , eventually the trustee sale was discontinued. 
There has been a total disregard from XXXX and their vendors representing them to address my questions about the validity of the claims and legal standing that XXXX has to foreclose or modify a loan. My questions are never answered and they only respond with the information that they choose to put forward as a response which has nothing to do with my questions. 
I believe that these 3rd party trustee and attorney firms are hired in attempt to foreclose and liquidate the property to enrich XXXX, and are acting as debt XXXX under the FDCPA and they must comply with the requirements of it. 
I will be sending a debt validation letter to XXXX XXXX and Houser Allison on XXXX/XXXX/2015.
Product: Mortgage

I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by 24 hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

unauthorized fraudulent inquiries from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number : XXXX has violated my rights. Or 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.