23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I received a letter from Portfolio Recovery that stated it they were validating my debt due to a dispute letter that I sent to the CRAs. I sent them a letter XX/XX/2021 indicating that the letter ( copy of a bill ) did not satisfy the request and that more information was required per the Georgia Industrial Loan Act and the Fair Credit Reporting Act. Portfolio Recovery turned around and resent the same bill on XX/XX/2021. They have failed to validate that the debt is mine, provide a copy of all original paper work with my wet signature, provide a copy of the purchase agreement, provide, provide their legal standing to collect on the debt or their license to collect a debt in the State of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Letter sent to Jefferson Capital XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear Jefferson Capital Systems LLC, Re : Debt Collection Validate Request We hop XXXX this letter finds you well. Our records indicate an outstanding balance owed to Jefferson Capital Systems LLC, as referenced by the account number ( # XXXX ), in the amount of {$3300.00}. This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. 

As part of the process, I'm providing you with a debt validation request. In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
1. Forward Flow Agreement : Copy of the agreement outlining the terms under which this debt was transferred to me for collection, including any agreed-upon payment schedule. and responsibilities. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt.

3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations. 
4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within 10 days from the date of this letter to ensure proper review and resolution of the matter. Failure to provide these documents may result in further actions in accordance with applicable laws. 
I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

I was made aware that a ruling was made against Wells Fargo for Mortgages between the years of XXXX and XXXX for changing terms, etc, etc and had to pay back consumers for mishandling of accounts. I had a mortgage with Wells Fargo between the years of XXXX and XXXX and have not received notification on this and my email and contact information has since changed. I am checking to find out more information on how to find out if i qualify for damage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX  carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Product: Debt collection

I'm being harassed with numerous phone calls regarding a debt I didn't know I had by, Wakefield Associates, and XXXX. There's hasn't been any form of validation of the debut, or contract. The collections were reported to all three credit Bureau 's resulting in my credit score declining over XXXX points. I wasn't warned, nor notified prior to the collections reporting. I would like for the collection agency to remove the collections and also stop harassing me via phone. The amounts for Wakefield associates is {$760.00}, and XXXX {$180.00} and {$230.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX XXXX send {$75.00} using CashApp from his account to my CashApp account which was under XXXX. ( XXXX ID # XXXX ) He confirmed that the funds were moved from his account after completing the transaction. On XX/XX/2023 at XXXXXXXX XXXX PDT I received an email from cash app stating I received payment. 

On XX/XX/2023 I logged into my CashApp account using the email XXXX. However, when I went through the account transaction history, there were no payments made to my account. 

Since then, I reached out to CashApp support several times and each time they say they do not see the transaction even though I provided transaction ID number and all relevant information. They said I'm not logged into the account which the money was sent to, and they keep sending me instructions on how to log in. I followed their instructions several times and logged again using the email XXXX and I get the same results every time. 

I asked XXXX to submit a refund and I received an email that he requested the refund. However, since I cant see the transaction when I log in I cant approve the refund. He reached out to CashApp support and they said I am the only one that can approve the refund. 

Essentially, they took XXXX 's money put wont give me access to it for whatever reason and I dont think that is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.Transunion  has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX  has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home mortgage loan yesterday through XXXX XXXX XXXX XXXX. I woke up this morning to XXXX spam text messages and received over XXXX calls from mortgage loan companies. My email was hacked into and my XXXX investment stock account was tried to get hacked into and I believe this is all do to a breach of information. One particular company sent a text message from number XXXX stating an agents name saying she worked at XXXX 's XXXX a wholesale mortgage broker and they got my information from Transunion. I called Transunion and they said they don't sell information or provide information to anyone other than the person being authorized to pull the credit report however I went ahead and called the number on the text message and spoke with someone from the company who stated Transunion sells them my information. I then again called Transunion to informed them of the information told to me by XXXX 's XXXX mortgage broker and they again said they don't sell my information. I want this further investigated as this is no coincidence. Someone is lying and getting a financial benefit from sharing information like mine and it needs to be STOPPED! I
Product: Debt collection

XXXX XXXX XXXX is charging me {$2100.00} in debt but does not make sense because I had insurance at the time so that total is incorrect.
Product: Credit reporting or other personal consumer reports

Dear CFPB, After reviewing my credit report i noticed there is a Bankruptcy court item listed on my credit reports. Per FCRA 623 ( a ) ( 5 ) If the credit bureau can not VALIDATE the information with the XXXX CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the XXXX Bankruptcy court. 


The bankruptcy court mailed me a letter stating they do not provide any information to credit reporting agencies. Nor do they ever validate and or confirm public records. 

The XXXX XXXX XXXX are breaking the law and ARE COMMITING FRAUD AS they NEVER validated these public record entries on my credit report, which is violation of 15 USC 1681 ( a ) e. An investigative consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items or information.

See enclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}
Product: Debt collection

I received two letters and they both were dated for XX/XX/2017 from XXXX different collection companies. I made an settlement agreement with Capital Management Services, L.P., but decided not to pay because one letter state XXXX XXXX XXXX out of XXXX, SC and the second letter was from Capital Management Services out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX
Product: Credit reporting

File Number : XXXX I submitted a dispute for a verification of accounts on my credit report that I did n't recognize as valid the account are as followed : XXXX XXXX BAL {$290.00} XXXX # XXXX XXXX XXXX XXXX # XXXX {$260.00} I had previously disputed these accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of these debts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Product: Debt collection

XXXX ) XXXX HAS AN OLD AND AND ACTIVE ACCOUNT UNDER MY PERSONAL INFORMATION THAT IS AN ACCOUNT SET UP BY ANOTHER PERSON, USING MY PERSONAL INFORMATION ILLEGALLY XXXX ) XXXX HAS BEEN PROVIDED ( XXXX ) SEPERATE FRAUD AFFIDAVITS, POLICE REPORTS, AND WRITTEN DISPUTES ABOUT BOTH FRAUDLUANT ACCOUNTS AND HAS FAILED TO RESOLVE THEM AND REMOVE THEM FROM MY PERSONAL CREDIT BURUEAU FILES XXXX ) XXXX HAS UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) XXXX HAS TURNED THIS FRAUDULANT ACCOUNT OVER TO A COLLECTION COMPANY WHO HAS ALSO UNLAWFULLY AND FALSELY REPORTING AN ACCOUNT, A COLLECTION ACCOUNT, AND INFORMATION ON MY CREDIT BUREAUS FILES XXXX ) I HAVE CONSISTANTLY REPORTED THIS FRAUDULANT ACCOUNT TO XXXX SINCE XX/XX/2023 AND HAVE NOT RECEIVED ANY WRITTENT EVIDENCE THAT THE FRAUDULANT ACCOUNT HAS BEEN RESOLVED AND REMOVED FROM MY CREDIT BUREAU FILES
Product: Credit card or prepaid card

A denial letter dated XXXX/XXXX/XXXX had a score of XXXX. On XXXX/XXXX/XXXX, a denial letter had a score of XXXX. The XXXX/XXXX/XXXX letter was in response to a secured card. According to both letters, XXXX provided the score. Please tell me if there is a different credit card scoring used for the secured card. I do n't see how the score went down by 76 points. I opened a new card, with another bank, in XXXX. I think it should be on the report pulled for the denial letter dated XXXX/XXXX/XXXX. The letter dated XXXX/XXXX/XXXX, also mentioned income being insufficient for requested credit.
Product: Credit reporting or other personal consumer reports

I have concerns over the reporting of this account on my credit report. This company says they have verified the information but I am seeing discrepancies on my report regarding how they continue to report this account.
Product: Credit card

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX  and XXXX  all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XX/XX/XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX 's data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.
Product: Student loan

I attended the XXXX XXXX  and XXXXXXXX XXXX in asking navient to send me a application to discharge my student loans based Off the XXXX XXXX XXXXXXXX case for discharge of these schools
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted that the names listed on my credit report for Experian are incorrect. I have never been married so my last name has never changed. 

Experian shows names other than my own. My name is XXXX XXXX and has never changed. This correct information needs to be corrected. 

I want all names other than what I have listed removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXXXXXX  {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is XXXX years for a collection/charge off account. I have not received a 1099c for this debt. XXXXXXXX XXXX- {$52.00}, is a HIPPA violation for third accounts placed for XXXX XXXX XXXX XXXX  XXXX {$460.00}. XXXX XXXX XXXX- {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by different reps and 1 supervisor this is not right I'm a single mother who just had an XXXX. I'm a business owner trying to get a place to stay for me and my child. with my credit showing incorrect information on it that does not help my family this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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: Mortgage

I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later