23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I sent a letter to Amsher requesting VALIDATION of the debt that is appearing on my credit report. On today XX/XX/2018 I received a 4 page document from Amsher Compassionate collections that has a 2 page bill from XXXX in the amount of XXXX dated XX/XX/2018 attached along with a letter from them that is dated XX/XX/2018. A bill is not proper validation of the debt and they are not the original owners of the debt. Nor were they able to provide any validation of the debt. 

below is the exact letter verbage sent to amsher. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

None of the above was provided the only thing that was sent was a bill which is not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX 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
Product: Credit card or prepaid card

I have been a long term user of Citibank Costco card and have always paid my bill in full every month. Recently while I was traveling, I received notice that my payment for the XXXX bill was past due. I contacted customer service about this and tried to view the bill on line. The Citi policy apparently is that a customer who is late, no longer has the " privilege '' to see the bill on line. I wanted know the total for the month of XXXX. I was not given the amount of the balance and denied access to view the bill. I wasn't told what to pay to clear the balance, only the current installment. 
It is clear Citi was not interested in clearing the balance but rather to set up installment charges. As a result I was charged late fees and interest totaling {$100.00}. This can't be l
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Account number : XXXX XXXX XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My mortgage Lender Shell point Mortgage Servicing fail to pay the property taxes second Installment on XX/XX/XXXX. ( escrow account ) they said sent a check for XXXX to XXXX XXXX treasurer XXXX XXXX on XX/XX/XXXX, as a right now they don't respond where is the Money. the house is in Delinquent status, I am calling every day and no one seems to be doing anything to resolve this issue. I need you guys to help me with this situation. I sent this letter below under RESPA To Whom It May Concern : This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 



. 
I am writing because : After researching Property Index Number ( PIN ) XXXX, our records indicate that payment has not yet been received for the Tax Year XXXX Second Installment.We required that you pay our property taxes second installment AS SOON IS POSSIBLE as well the interest what does been accrued. 
I spoke with XXXX the scrow supervisor on XXXX, he said is working trying to reach the XXXX XXXX treasurer to figure out where the wire money was applied. 
We have been calling every other day and nobody seems to be doing anything to resolve the issue. 
My contact information is : I understand that under Section 6 of " RESPA '' you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed two separate certified letters one with proof address and the second letter is my social security number. Equifax sent me a letter requesting this information again. this a stall tactic. Equifax didn't investigate my request and didn't provide me with any proof of their finds but yet I'm met with a stall letter. Requesting proof of my address and identity again. Equifax is refusing to provide proof of bankruptcy on my credit report, it may be due to a lack of proper identification or documentation. 

Mailed date is XX/XX/XXXX Mailed date is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX  that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Product: Debt collection

I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$190.00}, XX/XX/year>XXXX XXXX XXXX XXXX {$1900.00}, XX/XX/year> XXXX  XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # XXXX XXXX XXXX currently reporting to my XXXX Consumer Report. This account exceeds the Statute Of Limitations for the State of MO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. Experian and XXXX   credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.
Product: Credit card

I noticed an account on my credit bureau that was showing derogatory on my files. The account belonged to HSBC bank, so I called the phone number that appeared on the credit report and a representative informed me that she was not able to locate the account or there could be a possibility that the account was sold. I informed the customer rep. that i had disputed the information but it was verified and HSBC stated the debt was valid. I have never opened an account with HSBC bank, and i was wondering why are they reporting on an account that they do not have any information on. The customer rep informed me that i should continue disputing it with credit bureau again. I again disputed XX/XX/2015. and the information came verified again. Its infuriating that a non existence and bogus bills are being collected and reported on my credit report which is very inaccurate.
Product: Debt collection

XXXX Phone and Account was initial bill. Service was terminated at time of merge with XXXX 

Paid for phone two times at {$80.00} to avoid debt collection. Spoke to XXXX and service bill was paid in full. 

I have tried everything to work with them and now another company, Source Receivables Management has come looking for the same money already paid to XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app Block.ink due to inadequate customer service and unfair practices which violate the customer financial protection act cfpa specifically cash app failed to take timely and effective measures to prevent the address fraud on their platform leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair deceptive as they did not comply with a resolution requirements Under the Electric fund transfer Act and regulation e. These actions have caused significant inconvenience and financial laws and I seek appropriate redress For these violations.
Product: Debt collection

I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years
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. 
XXXX Account # XXXX XXXX XXXX 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 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.
Product: Debt collection

XXXX hospital did n't file with my insurance company in a timely manner and waited 4 years to ask me about it. I have proof I had insurance at the time.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Account Information Request for Removal To Whom It May Concern, I am writing to formally dispute an incorrect account listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX  Account Number : amount : {$6900.00} Issue : The account is inaccurately reported as " open '' with an " open balance, '' while it is also reported as " in collections '' and closed. Both statuses can not be true simultaneously, and this discrepancy is negatively affecting my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate account be investigated and either corrected or removed entirely from my credit report. Please find attached supporting documentation, including a copy of my credit report highlighting the disputed entry. 

I kindly request written confirmation of the results of your investigation within 30 days, as required by law. If the account can not be verified or corrected, I ask that it be deleted from my credit file. 

Please contact me at the phone number or email listed above if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute with Equifax requesting proof of documents showing that these Items that their reporting on my credit file belong to me. I am a victim of fraud and identify theft so it id my right according to FCRA 601 That states that the Credit reporting agency must provide me with such documents. Equifax failed to provide me with anything that's contractual linking these accounts to me. But instead they lacked a investigation and failed to inform me of how they verified these accounts were mine but instead they sent me a copy of my credit report with no information but still showing the ( 2 ) disputed items. Usually a credit reporting agency would make such statement as " We've verified this account as accurate. Or it will say that they removed the account or updated it. I didn't receive anything from this agency stating either or. This agency has hung the phone up on me I've been called and ignorant XXXX man by this agency in the mist of what XXXX people are going through in this Country. I've made several complaints regarding this agency and no one seems to want to get involved including this agency CFPB now the next step is for me to file a claim against this agency for discrimination and for violating the FCRA. These are the two items that remains on my report without explanation or proof that these Items belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : {$65000.00} {$65000.00} XX/XX/2020 {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX XXXX XX/XX/2020 {$85.00}
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up regarding my previous request for the deletion of inaccurate and unverified information from my credit report.
Product: Credit reporting or other personal consumer reports

I am ask for another reinvestigation of this account as it is still reporting inaccurate information falsely. The account " XXXX XXXX XXXX '' has inaccurate information as it is still showing XXXX late payments of XXXX days and wrong dates of late payments. This information is not the same as other bureaus deeming it an inaccuracy and should be corrected immediately as it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for an XXXX  card on XX/XX/XXXX because the experian report showed too many new cards. It is unclear if the customer service rep from XXXX  was referring to the amount of hard pulls or too many new accounts. I'm nearly certain they were talking about new accounts, but this doesn't change anything. 

I had three new cards added to my experian report on XX/XX/XXXX ( 2 years and 4 days before the new XXXX  application ). 

All three of these cards should have been removed from my report after two years per writing on the Experian website. However, these three cards were the reason I was rejected. 

The report used by XXXX  was stale information. Stale information is wrong information. My personal finances shouldn't be at the whim of this large incompetent entity unless they are willing to resolve these mistakes without additional hard pulls and wasted time. 

An Experian representative said over the phone they removed them after 2 years and 30 days. This is not consistent with their own website. 

Looking at my Experian report specifically ( not some made up conglomerate report ) through XXXX XXXX showed those three cards on the report as late as the XXXX XXXX ( 3 days after they should have been removed ). However, they were removed from that view of the report on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXX XXXX XXXX XXXX XXXX, experian I am writing to formally complain about the inaccurate information XXXX XXXX XXXXXXXX has XXXX reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX  XXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **Experian Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. XXXX Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The first delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all three reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXX XXXX XXXXXXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.