23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Professional Debt Mediation for committing identity theft. I have never given Professional Debt Mediation any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Professional Debt Mediation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Professional Debt Mediation can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Professional Debt Mediation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Professional Debt Mediation continues its collection efforts, I will file for litigation for actual damages caused and Professional Debt Mediation will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Professional Debt Mediation is attempting to collect a debt that is not owed by me. I did not lease this apartment nor sign a lease. I was an occupant, not a leasee
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to correct my information from my name to date of birth and even address. I don't use any address but a XXXX XXXX for many years and they added several without getting the information from me. They got the information from a creditor that I have never done business with and refuse to fix it. They have many names that are not mine and my date of birth is wrong and continue to refuse to fix. I have made several calls to them about this and still refuse. You can't verify personal information from a creditor that I have not done business with.
Product: Checking or savings account

There are two simultaneous complaints. Ally Bank recently sent me a new debit card. I activated the card in mid XX/XX/2023 and have been using the card without issue. Today on XX/XX/XXXX, I tried to use the debit card for a XXXX XXXX purchase and the card was declined for a {$5.00} purchase. Since there way more money than {$5.00} in the account, I called ALLY immediately. I spoke with a customer service rep [ by the name of XXXX. Her response was the card is showing " inactive, '' yet it was activated XX/XX/XXXX and used MULTIPLE times. I then speak with a supervisor. He is telling me there is nothing they can do but issue me another debit card where I have to wait 5 business cards. That is unacceptable. 

Moreover, there is an additional complaint for a {$1300.00} purchase dispute for a item cancelled same day as purchase with XXXX and the seller XXXX XXXX. I called Ally Bank FIVE times spoke with three managers. They said they would send via email a link to upload all the supporting documents. Not only did they NOT sent the link, the CLOSED the dispute ON THEIR OWN without allowing me to upload the required documents. THis is lazy, inept, and indifferent to a long time client
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX  {$630.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$2500.00} Gone collection {$7400.00} 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.In accordance with the Fair Credit Reporting act. 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. 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.
Product: Checking or savings account

Wells Fargo froze my account because they said they thought that my paychecks were fraudulent. After going into the bank and them having me call numerous numbers they finally said they needed my employer to send them a letter and that they would unfreeze my account. My district XXXX called Wells Fargo and they informed him that everything should be good but the account is still frozen. I have bills to pay and have no food because I have no money to purchase groceries. I need them to give me my money. I am not rich and I love paycheck to paycheck so this is especially trying. Please help me.
Product: Credit reporting or other personal consumer reports

DEPT OF ED/XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX reportthere are 0 late payments being reported. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$28000.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

DEPT OF EDXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported.
Product: Mortgage

On XX/XX/XXXX, I suffered a house fire. My house was a total loss. I wish to use the insurance settlement to pay the mortgage off and try to repair my home. I requested a Pay off Quote. I also submitted a settlement offer to PHH mortgage to settle the debt. I was told, " My settle offered had to be in writing and copy of the funds also needed to be submitted to verify I had the available funds to settle the mortgage debt. On XX/XX/XXXX, I submitted in writing a Settlement Offer for {$20000.00} along with a copy of the insurance check from my house fire claim. I was informed, PHH Mortgage was hiring an Appraiser to come and assess the property because my offer might be low balling them. After several weeks of waiting to hear from the Appraiser, I was told, " I didn't qualify because my mortgage was in good standing and they would not be sending an Appraiser out instead they were mailing me out the application for Loan Modification ''. I never requested any type of financial help other than requested a lower Payoff/Settlement offer to settle the debt. 

From XXXX to XXXX, PHH Mortgage have been taking me through circles with settling the mortgage debt. Once they realized the Appraiser could not assess a burned house, only the value of the land could be assess, they decided not to send the Appraiser to do the assessment so we could settle the mortgage. Instead PHH Mortgage is trying to keep me in the mortgage when the house is a total loss/destroyed from the house fire .

I wish to settle the mortgage debt with PHH Mortgage. I was told, " I had to do the Loan Modification, which is part of the process before they could accept my Settlement Offer for the Underwriters ''. 

I have been displaced from my home every since XX/XX/XXXX, PHH Mortgage is prolonging the time for me to repair and get back into my home. Also, the insurance check is set to expire in XX/XX/XXXX if its not cash within 90 days of issuance. 

I was told 3 times by PHH Mortgage to put my Settlement Offer in writing and still they have not accepted my offer, they keep taking me in circles with settling the mortgage with them on this burned house. 

I need help, I'm not sure if the Representatives understand that my house was burned and to tell me I dont qualify for a Settlement because my mortgage is in good standing. The house is a total loss that should qualify me for a mortgage settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following account was sold charged off and the account belongs another company but still being reported with check and go as account holder this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit report and violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was shopping near my house at XXXX  a few weeks ago and didnt realize until the next day that my credit card was missing from my wallet. The first thing I did was paused the card once I realized and once I opened the Wells Fargo app I noticed that over XXXX had been spent!!!! I immediately called Wells Fargo to report it and closed that card and had a new one shipped to me. Wells Fargo hasnt done anything about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information being reported by all three major credit reporting agencies : TransUnion, XXXX, and XXXX. The account in question is identified as XXXX, with the account number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX ( i ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the late payment reported for XX/XX/2023 on my account is erroneous and in violation of my rights under the FCRA. 

According to my records and the terms outlined in my agreement with XXXX, there were no late payments made for the specified period. The credit report in question clearly states that a consumer report does not include transactions, specifically my payment history. Therefore, any indication of a late payment is incorrect and requires immediate rectification. 

I kindly request that the credit reporting agencies investigate this matter thoroughly and update the status of my account for XX/XX/2023 to reflect an on-time payment. Furthermore, I urge you to take the necessary steps to ensure that accurate information is reported in accordance with the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. 

Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit reports. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I contacted CKS Prime Investments/ Velocity investments to validate this this alleged debt and they sent a letter stating that there was a judgement against me with No details and copies of some statements. I Never did any business with CKS or gave them permission or agreement to address me with any matter. I sent the first validation letter on XX/XX/22 a response from CKS/ Velocity on XX/XX/22 a second proof of validation on XX/XX/22 and no response. XXXX XXXX XXXXXXXX certified information
Product: Debt collection

I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
Product: Mortgage

Capital One has XXXX me once again. This would be the XXXX time I have complained about their total lack of customer service and lack of communication, and more importantly erroneous information. 

I asked to see if I could do a rate renewal which was told to me by one customer service agent, then told that I could not by several others. After days/weeks on the phone trying to resolve the issue with Mortgage Escalation Dept, I was told that I would be getting the paperwork in the mail, yet did n't get it. I was never given what the rate would be and after the XXXX phone call in the last two days, was told that my rate was going to be higher than what I 'm paying now. I ca n't believe the problems and horrible service at Capital One!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
Product: Credit reporting or other personal consumer reports

I have filed several complaints/disputes before for the unauthorized and misuse of private information without resolution. Under 15 U.S.C. 1681 ( 4 ) ( Consumers Right to Privacy ) and 15 U.S.C. 1681 ( B ) ( Permissible Purpose of Consumer Reports ), I have the right to dispute and challenge the use of my personal information, particularly when no consent has been given for such use. The disclosure of personal, non-public information to nonaffiliated third-party agencies ( such as credit reporting agencies like Equifax, TransUnion, and Experian ) without giving me the opportunity to opt-out, as described under 15 U.S.C. 16802 ( B ), violates my rights. Using my personal information without my express written consent which can also be considered Identity Theft under 18 U.S.C. 1028 ( A ) ( Aggravated Identity Theft ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX  balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX  balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over disputes to Experian and XXXX. The problem has been over 30 days with no resolution. 
Please Delete and Remove from my credit report XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  I transferred {$1000.00} from my XXXX checking account using Remitly application to my mothers XXXX XXXX bank account. They send an email confirming the money will be transferred on Friday XX/XX/XXXXXXXX XXXX 
XX/XX/XXXXXXXX XXXX  my mother confirmed that money was not transferred and I called Remitly. According to them the money was deposited in bank called XXXX XXXX with my mothers same first and last name and the same account number. They said when the confirmation came it said XXXX and not XXXX bank so they will not do anything on their side. I further verified from my side the money went to XXXX XXXX XXXX in XXXX with the same first and last name and same account number and according Remitly the bank will not return the money so they cant do anything. It dint even go the XXXX bank as they claimed and it went to different bank and what in the odds some one with my mothers first and last name and exact account number existed.
Product: Credit reporting or other personal consumer reports

There where reported a closed account with and XXXX balance on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 (XX/XX/2009 ), this notice includes identification of the specific information being disputed : Transunion, XXXX, and XXXX reporting for Acct # XXXX   Date opened : XXXX : XX/XX/XXXXTransunion : XX/XX/XXXX XXXX : XX/XX/XXXXAmount past due : XXXX : {$1800.00} Transunion : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXXTransunion XX/XX/XXXX XXXX   XX/XX/XXXX Last Payment made : XXXX  not reported Transunion XX/XX/XXXX XXXX XX/XX/XXXXReposession : XXXX Not reported TransunionXX/XX/XXXX XXXX XX/XX/XXXXandXX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, Transunion and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX