23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Landlord ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and reported a false debt on my credit report and submitted it to multiple collection agencies that have contacted me for payment ( XXXX XXXX XXXX Columbia Debt Recover LLC, dba Genesis ) and has violated the Fair Debt Collection Practices Act ( FDCPA ) by submitting inaccurate debt information. I have disputed the information directly with original creditor and sent Debt Validation request but they failed to validate. Also disputed credit bureaus to remove the debt and would like to take legal action against the landlord for submitting inaccurate debt information and violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 XXXX XXXX XXXX sent an email with an Itemized Statement of Security Deposit on XX/XX/year>2024 and to contact XXXX XXXX department regarding charges or making payments. I responded by email on XX/XX/year>2024, to dispute the charges and submitted pictures as proof as to why I felt the charges were false. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  on behalf of XXXX XXXX  saying I had a balance of {$49000.00} and provided a link to make a payment. I responded to XXXX XXXX on XX/XX/XXXX to dispute the debt and sent a Debt Validation letter requesting XXXX XXXX to provide me with clear and convincing evidence that I have a legal obligation to pay them and/or the original creditor for the amount in the dispute. XXXX XXXX responded on XX/XX/year>2024 that the dispute was reviewed, the debt was correct, and I still owed it. Later on XX/XX/year>2024 I was contacted through email by Columbia Debt Recovery DBA Genesis Collections for a debt in the amount of {$47000.00}, which I assumed was a scam through XXXX XXXX XXXX XXXX in another fraudulent attempt to collect the false debt. 
I dont owe the debt because there was a court judgement in my favor from the unlawful detainer case filed by XXXX XXXX XXXX The Judgement stated I did not owe XXXX XXXX  and they take nothing in the court Judgement granted in my favor because XXXX XXXX XXXX received double payments from me and multiple rental assistance programs during Covid, added erroneous charges to inflate the balance owed, failed to properly carry forward payments and pursued eviction of non-payment for months they received payment for. This was determined by me providing proof of payments by bank statements, Payment Confirmation emails & ledger from online renters portal XXXX, ledgers from the rental assistance programs and ledger from XXXX XXXX XXXX XXXX that was submitted to me and the court, that clearly showed they received double payments for multiple months and did not carry forward the payments along with adding erroneous charges to inflate the balance.
Product: Checking or savings account

My checking account was suspended for no reason and no one at their customer service line can give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX ending in XXXX. Customer Service Representative promised to remove late fee on XX/XX/2016. I was looking to remove to a death in my family of unforeseen circumstances. I was told by the representative they would remove the late fee for being a loyal card member. They have yet to do so. Just looking to get this resolved.
Product: Debt collection

I noticed a collection for {$140.00} on my credit report through XXXX in XXXX of 2021. I was surprised because I had not been notified previously of an outstanding debt nor did the collection agency, Helvey and Associates, provide me with any validation information. I disputed the collection through XXXX XXXX in XXXX, 2021. I still did not receive any information. I again submitted a dispute through XXXX XXXX in XXXX of 2021, and again, I received no correspondence. Therefore, I sent a certified collection validation letter to Helvey and Associates. I was notified that it was signed for on XX/XX/2021. To date, I still have not heard from Helvey and Associates.
Product: Debt collection

In mid XXXX XXXXXXXX XXXX was able to rectify this situation and delete this off my credit report and nullify all derogatory marks which brought my XXXX  back to its flawless luster. The debt collection agency says they say i owe is a amount of XXXX $ at which i get harassed day and night by collection agencies if this was the case XXXX XXXX would not able to assist me the first time unfortunately i assume the debt which is not mine in the first place was sold to another debt collection agency as of XX/XX/XXXX which i was able see negatively affecting my XXXX as of XX/XX/XXXX on XXXX XXXX. I called XXXXXXXX XXXX  yesterday ( XX/XX/XXXX ) once again but they are not able to assist because they can not see the collection on my credit report on there end or i would not be submitting this complaint currently! This is not the first time this has occurred from the suppose ive debt that was struck off as of pseudo back in early mid XXXX. I would like to submit this complaint against Waypoint Resource Group holding my consumer credit report XXXX and destroying my XXXX  over something so minute and on top of that debt that is not even mine. I also would like to submit a complaint against XXXX for taking this complaint back in XX/XX/XXXX and not assisting me at all but in my opinion they only assist the big creditors not the consumer. So if this could be deleted off my report once and for all intense purposes it would be greatly appreciated with any assistance moving ahead. Hopefully not like XXXX the last 60 days nothing to report of. If i get any recourse or assistance in the next 15 days that would be more than ideal.
Product: Credit reporting or other personal consumer reports

I am the victim of Identity Theft. I recently checked my credit and noticed that fraudulent accounts, inquiries and personal information has been placed in my consumer report. I have included a FTC report stating all the fraudulent information I have been able to find so far including Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation Delete these account per my written instructions.
Product: Debt collection

I am writing to formally submit a complaint regarding unfair debt collection practices by Credence Resource Management , LLC. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that your office investigate and intervene to stop these unlawful practices. 

Credence Resource Management , LLC Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Details of the Complaint : Account Information : XXXX XXXX XXXX account # XXXX Amount in Dispute : {$160.00} Date Reported to Credit Bureaus : XX/XX/year> Nature of the Complaint : Lack of Written Notice and Debt Validation : I was never notified in writing about this debt by Credence Resource Management , LLC, as required by the FDCPA. During a recent conversation with their representative, I was informed that no letter was ever sent to me regarding this debt. I have a recording of this conversation where the agent confirmed this failure to send a validation notice. 

According to the FDCPA, debt collectors are required to send a written validation notice within five days of the initial communication. This did not occur.

Violation of FDCPA and FCRA : By reporting this debt without providing me the opportunity to dispute or validate it, Credence Resource Management has violated both the FDCPA and the FCRA.

Under the FCRA, they are required to ensure the accuracy of the information they report to credit bureaus. Reporting this debt without proper validation is a clear violation of this requirement. 
Payment Made in Good Faith : As an act of good faith, I have already paid the amount of {$160.00} to Credence Resource Management , LLC. Despite this payment, the negative mark remains on my credit report. Given the circumstances of their unfair practices and failure to comply with legal requirements, I believe this negative entry should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report XXXX XXXX XXXX XXXXl, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

Benuck & Rainey attempted to collect a debt of insurance premiums alleged to be owed by the organization of which I am XXXX. On XX/XX/year> at XXXX XXXX, XXXX XXXX of Benuck & Rainey sent me an e-mail on which WITHOUT AUTHORIZATION she randomly included other persons with the same or similar e-mail address for the organization, disclosing CONFIDENTIAL information about an alleged debt and terms of collection settlement. This is unethical practice and conduct. It is unclear where she found those persons and their e-mails. They were never on any correspondence with Benuck & Rainey.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX XXXXXXXX. showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Please delete the items as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

My identity was stolen and two accounts were open under the same address since XXXX. One of the companies was XXXX XXXX on behalf of XXXX XXXX in the amount of {$350.00} due since XX/XX/2021. I called the company directly provided documentation and and XXXX Report it was fixed and found to be fraud. The address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I lived in XXXXXXXX XXXX for XXXX years. The second company is XXXX XXXX and the collection company acting on their behalf is Bull City Financial Solutions, I tried calling them and all they wanted was my address to send me statements from an account that I dont owe. I filed a police report also and XXXX report that recommended not to send any personal information to this company. They are requesting a copy of my license and social security. Im a victim of identity theft and refuse to send them this information. I have been filing disputes with XXXX for the past XXXX years and they never want to take this charge off my account, they stated that is my account and the money is owed. I have outstanding credit and this is affecting it. I have included the XXXX report, police report and dispute from XXXX XXXX showing fraud. They had dismiss all my efforts. Pls help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/XXXX, attached will be a 9 page narrative detail, including FCC   complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report  until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX XXXX   form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at the Office of the President for XXXX XXXX XXXX XXXX, and she advised that XXXX is required to report to my account information to the credit reporting agencies. XXXX advised they have not notified any third party that the accounts are in dispute. XXXX advised that XXXX continues to report monthly to the third party credit reporting agencies. I reminded and advised XXXX that this account is in dispute. I advised XXXX that XXXX does NOT have my permission to report my personal information to any third party. I advised XXXX that XXXX continues to violate me by doing the following : XXXX XXXX XXXX XXXX has been notified in writing and has received and recognized that the accounts listed are in dispute. XXXX continues to report incorrect and false information to third party credit reporting agencies, against my request that they refrain from doing so. XXXX is reporting incorrect information, and also reporting my personal and private information to a third party without my consent. I have advised XXXX that I am enforcing my right to opt-out of their credit reporting to ANY third party. 
Pursuant to 15 US Code 1681a ( 2 ) ( a ) ( i ), experiences and transactions between the consumer and the creditor are excluded from the consumer report. 

XXXX XXXX XXXX XXXX is knowingly reporting incorrect information to credit reporting agencies and deliberately NOT reporting that the accounts are in dispute. 
Pursuant to 15 US Code 1692e ( 8 ), Communication or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a dispute debt is disputed. 

XXXX XXXX XXXX XXXX has sent me threatening letters, demanding payment on an account that is dispute. XXXX has not validated any debt to date. 
Pursuant to 15 US Code 1692e ( 4 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 4 ) the representation or implication that non-payment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
Pursuant to 15 US Code 1692e ( 5 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. 

XXXX XXXX XXXX XXXX is continuing to violate my consumer rights.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX  ; CREDIT BUREAU ; EQX ; XXXX ; XXXX ; I am writing to dispute an inaccurate late payment notation on my credit report. These late payment was wrongfully reported on my account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX - as being late on my credit report. 
However these late payments are incorrect, inaccurate, and violations of my credit report and privacy, and I have proof on-time payment for those months. Having inaccurate late payment on my credit report are damaging my credit score and ability for any company to extend credit to me. 

Therefore, I request that you immediately DELETE these late payment on my credit report, and please send me detail notification of correction once completed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} 3. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Inquiries to be blocked : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX  will not remove this account from my credit report without a written statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX and Equifax since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX  loan # XXXX XXXX and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and XXXX even though i have multiple times. 

XXXXXXXXXXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian transunion and equifax. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b. The following collections need to be removed and all have violated 15 usc 1681
s-2b XXXX- XXXX XXXX and XXXX XXXX XXXX service- XXXX ( XXXX )
Product: Mortgage

Wells Fargo has refused to consider my application for a loan modification submitted on XXXX/XXXX/XXXX, Wells Fargo has also refused to give me a reason why. My pending application submitted in XXXX XXXX has gone without an answer. I am facing foreclosure on the XXXX of XXXX XXXX. My Notice of Default which was recorded in XXXX XXXX with the Trustee being XXXX XXXX XXXX XXXX however, in XXXX XXXX a Notice of Trustee Sale was filed. In XXXX XXXX, a Notice of Trustee Sale was filed by XXXX XXXX XXXX XXXX, however, no substitution of Trustee was recorded for these XXXX different companies.a Notice of Trustee Sale was recorded on XXXX XXXX by XXXX, still no substitution has been recorded. On XXXX XXXX, XXXX a Notice of Trustee Sale was recorded by XXXX XXXX XXXX with a Foreclosure Sale Date of XXXX XXXX, XXXX, a substitution of trustee was recorded on XXXX XXXX, XXXX, Substitution out XXXX XXXX XXXX a California Corporation and Wachovia Mortgage XXXX it 's successors, however, XXXX XXXX XXXX XXXX and then XXXX XXXX XXXX proceeded has Trustee. Wells Fargo Bank attorney in fact executed the Substitution of Trustee which is very suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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