23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Att : AR Resource Inc Dear Sir/Madam, I am writing in response to your attempts to collect a purported debt from me, which I dispute in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws, I request that you cease all communication regarding this alleged debt, including calls, mail, email, and text messages, as per the following laws : 12 CFR 1006.34 ( b ) ( 5 ) - Prohibiting harassment or abuse in debt collection, including communication at inconvenient times or places, and causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Prohibiting false, deceptive, or misleading representations or means in connection with the collection of any debt, including the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

12 CFR 1006.34 ( d ) - Prohibiting the communication of credit information before verifying the consumer 's identity and confirming the consumer 's request for the information. 

15 USC 1681s - The Fair Credit Reporting Act ( FCRA ), which requires that any information reported to credit bureaus must be accurate and verifiable. 

Furthermore, I request that you provide the following documentation : Validation of the alleged debt, including the amount owed and proof of the original creditor. 

The purchase agreement between AR Resource Inc. and the original creditor, demonstrating your authority to collect on this debt. 

Proof of your licensure and bonding as a debt collection agency, as required by law. 

Please be advised that failure to comply with these requests may result in legal action. All further communication regarding this matter should be in writing and sent to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced FHA mortgage loan, closing date : XX/XX/2020. Homebridge Financial rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid Homebridge in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. Homebridge reports " late mortgage '' payments for XXXX and XXXX on my credit report through Equifax and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address serious concerns regarding the inaccurate and incomplete information that has been reported to consumer reporting agencies in connection with an account under your management. My review of my credit reports from XXXX and XXXX reveals discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are as follows : XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$0.00} XXXX : Date Opened : XX/XX/2023 Past Due Balance : {$410.00} It is imperative to emphasize the importance of accurate reporting, particularly with regard to the Date Opened on these accounts. Under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a responsibility to provide accurate and complete information. Knowingly reporting inaccurate dates is a violation of this statute, and such violations can lead to serious consequences. 

Additionally, I would like to draw your attention to 15 U.S. Code 1611, which establishes criminal liability for willful and knowing violations of the FCRA. It is crucial to understand the gravity of these violations, as they not only have legal ramifications but also impact the affected consumers ' creditworthiness and financial standing. 

The discrepancies in the reported Date Opened are significant, as they impact the accuracy of my credit report and may influence my creditworthiness. I request that you promptly investigate these discrepancies and take corrective action to rectify the inaccurate information reported to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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: Checking or savings account

According to a XXXX XXXX  with Wells Fargo, the below complaint contains no new evidence which I believe to be incorrect., his reply refers back to prior Wells Fargo reps replies which do not contain any new evidence... Please note, this rep request more time to reply than the normal 30 days period, unable to produce any new evidence, he simply refers back to prior CFPB replies... Please see complaint below.. 
I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving and not verifying address.. Further, they will not correct 1099 form to show no amount received...
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is claiming that I owe a debt, but I have never had a relationship with AD ASTRA RECOVERY SERV. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that AD ASTRA RECOVERY SERV received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.
Product: Debt collection

I have a previous debt with XXXX XXXX XXXX XXXX. LVNV funding purchased the debt. Resurgent capital is also doing business with LVNV funding. I have sent certified letters on multiple occasions requesting they remove the XXXXXXXX XXXX debt from my credit reports, as it is the same debt LVNV is reporting. Additionally, LVNV funding is taking out of my paychecks roughly {$1600.00} per month. Roughly {$800.00} BI MONTHLY PAY. They have refused to update the amount owed, despite me sending numerous requests via certified mail to update the amount owed. At this point today 's date ( XX/XX/year> ) I have paid off {$9.00}, XXXX. I am XXXX XXXXXXXX hours per week to resolve this debt. The least they could do is report it accurately on my credit report. I have receipts and all documentation of communications made to both LVNV funding and Resurgent Capital since it is unclear who actually owns the debt. All my certified mail has been ignored, despite I have return receipts they got the mail. I would like this debt to be accurately reflected every month of the 3 credit bureaus as the debt has been and continues to be significantly reduced.
Product: Debt collection

I was incarcerated during the time this account was active I didnt kno it was still in my name u can clearly see my debit cards my name was not paying the bill I've tried to get it taken care of since I found out it was on my credit report o had no knowledge of this account or the debt it collected
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Complaint Against Equifax for Violating 15 U.S. Code 1681 ( FCRA ) Dear CFPB and FTC, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. I have gathered evidence that Equifax has misreported my rental payment history, which has had a detrimental impact on my ability to obtain credit and loans.

I have obtained three different credit reports from various sources : XXXX. XXXX XXXX XXXX. XXXX XXXX Website** XXXX. XXXX  Upon reviewing these reports, it is evident that Equifax has destroyed my rental payment history on XXXX, inaccurately reflecting that I have not made any rental payments for the year 2024. This misrepresentation is not only misleading but has also resulted in the denial of credit applications and loans that I have sought. 

In contrast, the credit report from XXXX XXXX accurately reflects my rental payment history. The discrepancies between these reports indicate that Equifax has failed to adhere to the standards required by the FCRA and has caused significant harm to my financial standing. 

I request your agencies to investigate this matter thoroughly and take appropriate action against Equifax for their violations. I am prepared to provide any additional information or documentation you may require to assist in your investigation. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,
Product: Credit card or prepaid card

XXXX Bank of America Credit Card which I've had since XXXX in good credit standing with my XXXX rating today of XXXX. I did a 0 % interest rate balance transfer for 1 year XXXX. promo on XX/XX/XXXX in the amount of {$1200.00} to my bank of america credit card. I used Automatic payment.on Bank of America Website. Bank of america website when you set up automatic payments there is a small box which flashes up to inform the payer that a automatic payment may take 30 to 60 days to actually be paid. This is start of my 1st problem with B of A why does a automatic payment has to take 30 to 60 days to make a payment, all my other credit cards pay the month their Due. This is the first reason why i missed payments for my B of A credit card. The 2nd problem paying my B of A card is that if you change anything on their website for automatic payment from date you want to pay and the amount of money you want to pay the B of A website misses that months payment, which B of A never informs the customer about on their website. I inform B of A financial Department by phone to complain and ask that all my late fees be credited to my account and to have my credit rating fixed which they said they did and they informed me if you set automatic payments by phone there is no 30 to 60 days waiting time for payments and my question is why their Website is different from calling them by phone which is really inconvenient to do they had no good reason for. Also B of A credit Department lowered my available credit on my credit card from {$10000.00} dollars to {$400.00} because My Automatic payment problem of which their Website is responsible for not me. B of America refuses to reinstate my credit and this has caused me problems with my Credit Rating. I want my full amount of Credit to be reinstated with my Bank of america credit Card which was {$10000.00} not the {$400.00}, since their Website has a Automatic Payment problems. The above has all been documented by me and also phone calls to Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Weltman Weinberg & Reis Co., LPA is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by Weltman Weinberg & Reis Co., LPA. Please be advised that providing a memorandum or other statement from your agency, stating that Weltman Weinberg & Reis Co., LPA the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

the law clearly states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE unless they send the information in section 1637b and they never did at all its harming my credit so please ill like to have these late accounts removed
Product: Credit reporting or other personal consumer reports

Upon checking my Transunion credit report a fraudulent account listed below recently appeared on my credit report that Ive never been associated with or have knowledge of. Please investigate this matter. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card from CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at XXXX.
Product: Debt collection

Hello. I have been harassed by XXXX XXXX for a few years now. Back in 2022 I told them I wanted to cancel my services. I called them many times and told them. I also e-mailed them a few times. I also sent them a letter in writing. I also told them when I paid them my last payment. I told them for many months. XXXX keeps trying to bill me. 

They sent the account with a collection agency XXXX XXXX and XXXX and I also sent them proof of my cancelation. They stopped collecting but now Zions is trying to collect. They sent me a letter saying I owe money. I asked for help from credit company and they told me we should send proof of cancelation to the collector. The credit company did it for me by e-mail, and the collector just keeps trying to collect when they have proof that I cancelled services with XXXX multiple times. 

I will give you e-mail chain from the credit company that shows how the collector Zions is trying to continue to collect illegally. They say I did not have cancelation filed when I did have cancelation filed. Now they are lying and not looking at the paperwork. Please tell them to stop. I already fought this once and I am not going to keep fighting when a new collector gets the account. I will sue if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX  XXXX. I will upload current license in which i have lived for XXXX  years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked