23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Consumer financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Re : Violation of Fair Debt Collections Practices Act. 


I XXXX XXXX over the past six months have tried to validate/verify the supposed debt with XXXX XXXX XXXX XXXX XXXX  that the collection agency in XXXX XXXX XXXX Florida has placed on my credit buraus file. 
Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this process I have : 1. Sent several letters to XXXX XXXX XXXX XXXX XXXX over the past 6 months ( Please see enclosed copies of envelopes and letters ). 
2. The first letter I sent was non-certified dated XX/XX/2018. This letter was returned to sender with parts of it marked out. 
3. The second letter was sent certified dated XX/XX/2018. This letter was returned marked not deliverable unable to forward. 
4. Then I sent letters disputing this collection account with the three credit buraus XXXX, XXXX and XXXX ( enclosed are the letters with paperwork to the credit buraus labeled 1-6 ) Every time I dispute this account { that I can not verify or validate with the Original creditor } some of the credit buraus come back and say this account has been VERIFIED this account belongs to me ( please see enclosed paperwork from XXXX and XXXX labeled 1a and 2a ). 

I have sent letters to the three credit bureaus asking them how they can verify and or validate this account when I can not do that. As of this date XX/XX/2018 I have received no response to those letters ( letters labeled 3a and 3b ) I  have also sent a letter to the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( letter labeled 4d ) as of this date I have received no response to the letter. 

Since am not able myself to validate or even verify this debt with the original creditor and the collection agency : Collection Bureau of Fort Walton Beach , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are not willing to correspond or communicate with me on this det that I supposedly owe. Nor are they willing to provide any proof I have asked for in my letter to them then this debt is unverifiable. However, the collection agency will communicate with the credit bureaus and tell them the debt is verifiable and that makes the credit bureaus keep a debt I can not even verify nor able to validate my self with the credit bureaus on my credit history. 
With this the collection agency is violating the FDCPA by placing a non-verifiable det on my credit files with the credit bureaus XXXX XXXX  and XXXX. 

The resolution to this : 1. I need the non-verifiable non-validated det removed from my credit files with the three credit bureaus XXXX, XXXX and XXXX. 
2. If there are any state or Federal disciplinary actions that can be taken ageist this collection agency for placing a non-verifiable non-validated det on my credit history. 

XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in the great Equifax incompetence credit fiasco of a few years ago. I attempted at that time to acquire my credit report, but was unable to due to computer problems and the difficulty ( intended ) of using their system. At that time I placed a credit freeze on my account in vain hopes of preventing any more damage to my file than Equifax already had done, through their GREED DRIVEN incompetence. I never did receive a verification that this ever took place. I have worked hard and paid smart all of my life in order to have and protect a good credit score. 

Over the last several years I have noticed a decrease in my score. Although my bill paying habits have remained the same. 

I was recently denied a credit line increase thru one of the credit cards that I own. 

I attempted both over the phone and online to request a free report ( AS PRESCRIBED BY LAW ) All that XXXX XXXX Equifax wants to do is charge me money for something that's supposed to be free. I will not under ANY circumstances give those XXXX one XXXX iota of my money. 

No method I have attempted for resolving this has worked. Meanwhile my score continues to decline without me having any mechanism to determine if it is due to fraudulent activity. ( Remember, these same XXXX XXXX XXXX away my information ) And heaven help me if there is fraudulent information and I have to go through these sorry sacks of XXXX to correct it. 

How can I end this continuing nightmare, that as you can easily see, gets my XXXX XXXX thru the roof? 

XXXX XXXX
Product: Mortgage

Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which Chase stated that we needed to submit certain documents to them by XX/XX/XXXX, which we did. 

Among the documents requested was a copy of the homeowners insurance policy or declarations page showing proof of homeowners insurance for the subject property. We provided this documentation to Chase on XX/XX/XXXX. However, we received a letter from Chase on XX/XX/XXXX ( dated XX/XX/XXXX and addressed to our deceased father who died on XX/XX/XXXX XXXX in which Chase incorrectly stated that we understand that insurance company provides coverage for the period of XX/XX/XXXX to XX/XX/XXXX ( this is wrong - our documentation shows XX/XX/XXXX-XX/XX/XXXX ). The letter further states that However, the names read as [ my wife and I ]. Our records show your name reads as [ my deceased father ]. Therefore, we are unable to accept this evidence of insurance coverage. 

It is physically impossible for my father who died in XX/XX/XXXXto purchase the homeowners insurance coverage himself. Furthermore, it is illegal for my wife and I to purchase insurance in the name of a deceased person. However, the letter indicates that Chase is wanting us to commit identity theft against my deceased father in order to obtain the insurance coverage Chase specifically requested. This is deeply disturbing and grossly unethical. 

We provided Chase with EVERY single document requested in their XX/XX/XXXX letter prior to the indicated deadline of XX/XX/XXXX. Please explain your position with regard to this urgent and troubling matter immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Product: Debt collection

I never received any communication about this debt, never was given an opportunity to view or question the validity of the debt and have discourse with the accusers of me owing the debt, I have questions about if the company can even collect in my state and if the statue of limitations has run out, and it is now on my credit report as a collection account negatively impacting my ability to obtain credit and impacting my credit score negatively. I have no record of this company contacting me, corresponding with me or them validating the debt to me -- this seems like all fraudulent and unlawful things this company is doing.
Product: Credit card

On XX/XX/year> Apple Card by Goldman Sachs charged me an interest fee of {$7.00} That was waived by their support and informed me I would be fine moving forward if I pay off the 2 monthly balance. I tried paying off the full credit card balance to avoid any future interest charges but I was unable to pay off the full amount as their system was not letting me pay it off completely. I paid the max the system allowed me to pay which was {$1000.00}. However, I was charged an additional interest fee of {$9.00} by Apple Card. I do not see how its fair for them to charge me an unavoidable interest charge fee since I couldn't pay off the full card balance. Apple Card Goldman Sachs support and management have gave me the run around with different agents giving me different reasons of what happen and none of them are able to understand and help waive that {$9.00} interest charge that was not my fault nor unavoidable. This is bad business practice from the company and they fail to understand my problems that was caused by their system issues.
Product: Debt collection

On or about XX/XX/XXXX, I noticed an account on my credit reports for {$430.00}. I immediately sent the company a letter asking for validation of alleged debt, and proof with my signature that I have any obligation or contractual obligation to pay them. I received a piece of paper showing the alleged amounts I allegedly owe nothing that I asked for in my letter to them. I again sent a follow-up letter dated XX/XX/XXXX have not received any response nor have they noted on my 3 credit reports as per Federal and State law that the account is being disputed.
Product: Prepaid card

I contacted AmEx on XX/XX/24 ; XX/XX/24 ; XX/XX/24 ; and three times on XX/XX/24 explaining that the virtual card gets declined every time I try to use. They suggested different vendors- so I tried that and it still does not work. XXXX- declined. XXXX- declined. XXXX ( utility bill ) - declined. XXXX- declined. This virtual gift card is for {$500.00} and AmEx is ripping off paying customers ( actually stealing ) who buy these virtual gift cards as presents, yet the receiver can not use them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : Inaccurate Name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX ARIZONA Date Updated XXXX XX/XX/XXXX XX/XX/XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 TransUnion XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have talked to the finance company several times about my auto loan they wrote a letter stating that they wouldn't be reporting the loan to the credit bureaus, which was ok because they don't have to but then all of a sudden they are now reporting back in XXXX but then stopped again so it looks like my balance on the account is incorrect with the credit bureaus
Product: Credit reporting or other personal consumer reports

ok so this account was opened with a promissory note, pursuant to the uniform commercial code this debt was paid in full since the inception of the account.

so being that this account has about 15 late payments I am going to present case law that should be clear and convincing evidence for this corporation to delete this information off my consumer credit profile is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) being that this account is misrepresented pursuant to the protections granted to me form the fair debt collection practices act which was passed by congress on XX/XX/XXXX and codified into XXXX XXXX XXXX this is a fine that carries a {$1000.00} violation for every violation. since this company has reported 15 Late payments on multiple credit bureaus attempting to injury me, this beings a sum of {$16000.00} for the missed payments and the misrepresented accounts. being reported on the consumer credit profile, this is just one credit bureau, for XXXX which is another {$15000.00} for a grand total of {$30000.00} in violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I have a bill with XXXX of XXXX XXXX. They lied about the amount of the bill and sent my accounts to a collection agency XXXX and XXXX. I disputed the bill with XXXX and all XXXX of XXXX XXXX is that the bill is due. Sick of dealing with the bill I paid it. I made my last payment to XXXX on XX/XX/XXXX in the amount of {$50.00}. I was called by XXXX collections. They received the account in XX/XX/XXXX. I let them know I paid the bill and I am in dispute. Since TSC continues to call me and harass me about the bill. They are stating the bill is due. They call each week just saying the bill is due and pay it or talk to urology myself. I am pretty sure this is what the CFPB shut down Commonwealth Financial recently. They have done nothing to help resolve the bill and refuse to stop collections to allow my to put in writing in the first 30 days of the account being listed with TSC. I have received no letters from TSC and the accounts was listed this month. All TSC states is the account is due and to pay or call XXXX.
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 records 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, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} 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: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$680.00} XXXX - XXXX - {$1900.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).
Product: Debt collection

On XX/XX/XXXX, I noticed a {$380.00} deduction on my paystub. I had no idea what this deduction was for and inquired with my HR department. They immediately mailed me paperwork regarding this garnishment, and then XX/XX/XXXX, I received paperwork in the mail from XXXX XXXX representing Cashco regarding a garnishment from them. this paperwork was dated XX/XX/XXXX. Almost 3 weeks is a very long time for them to wait to send me. I feel that they were waiting until they received the garnished money before they mailed. However, this is not my major complaint. 
My major complaint is that I had no idea what this garnishment was for. The court paperwork stated that it was an original debt amount of {$1500.00} that was entered against me on XX/XX/XXXX. 15 years ago. And that the current amount due was {$10000.00} due to continually accruing interest. I mailed paperwork to the courthouse ( that is in a different state than I live in ) and received no response. Finally, I called Cashco and explained to them that I had no idea what this was for and wondered why I had never been notified before when I had the same address for many years and always worked a tax paying job all of these years. They mailed me a piece of paper that showed a {$990.00} amount financed that the guy I spoke with at Cashco said was in the form of a check to fix my transmission. I have gone back on every record, memory, asked friends, etc to recall what this may have been for 15 years ago. I can not. 
The main point of my dispute is that this was 15 years ago. As I said, I had the same address for many years and have worked tax paying job all of these years. I do not feel that this exorbitant amount of interest should be legal. In the past 4 months, they have garnished over {$4000.00} already. It does not seem right that they can neglect to inform someone of a debt that they feel you owe and then just let it sit and incur interest charges for 15 years.