23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing the following ; Account Name : XXXX XXXX XXXX XXXX Account Number : Account # XXXX Dispute Reason : Balance Amount is Inaccurate Dispute Reason : Past Due Balance Amount is Inaccurate Correction Is : Balance and Past Due Amount = {$0.00} Dispute Reason : This account was sold to 2 different collection agencies. The above account was sold to two different collection agencies ; therefore, there is no balance amount owed to XXXX XXXX XXXX XXXX ( See Attachment ) XXXX XXXX XXXX  XXXX sold the account ; therefore, there is no Past Due balance or Current Balance owed to XXXX XXXX XXXX. The FCRA states that 100 % accurate information must be reported on my credit file ; therefore, due to the inaccurate information this account must be removed from my credit file immediately. The 3 credit bureaus are stating that XXXX XXXX XXXX is verifying that the account balance and past due balances are accurate which is impossible. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX ( See attachment ). 

XXXX XXXX XXXX CAN NOT Verify or Update a debt that they no longer own and sold twice to two different collection agencies. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX I have exhausted means to settle this debt with XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX is currently in  violation of the Federal Debt Collection Act and I demand this account be removed immediately from all 3 major credit bureaus.
Product: Debt collection

This complaint crosses over several issues : Communication tactics AND Threatening to take an illegal action : ( 1 ) this company threatened to take legal action without properly notifying us that such an action was in motion. They state that they would then " mail a copy '' of a judgment without notification that suit has been entered into court. They expressly state their intention to deny us our due process rights while providing misleading statements in the introduction that they are actually advising us of our rights pursuant to the Fair Debt Collection Practices Act. 
( 2 ) they have made frequent and repeated calls Improper contact and sharing of information ( 1 ) they have left personal information on an answering machine that was audible to a room of individuals, including our children, disclosing the possibility that we may have debt. The message states that they are about to divulge sensitive information so if the individuals listening are not " they provide our names here '' to hang up and then they proceed to divulge that personal information with no guarantee that the party on the other end is actually " they provide our names here, '' and in fact, in several instances they were not. We have numerous recordings and sworn evidence of this. 
Further, XXXX XXXX XXXX XXXX XXXX XXXX is a Trust and has not established an individual of ownership nor any other named individual of ownership, we have not acknowledged this debt as legitimate. 
This company has caused irreparable harm to our children, family and several friends having disclosed this sensitive information via recorded calls, leaving personally identifiable information and our names
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that on my XXXX report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want XXXX to remove this immediately. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
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 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 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  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

This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. 
LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX
Product: Credit reporting or other personal consumer reports

I will make this short, brief and accurate as possible. Back in XXXX  XXXX XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Anyway, this is a document stating that the account has been sold to XXXX of the companies and to refer any future question to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years now after they had sold the account. They do not own the account anymore. Trans Union allowed XXXX XXXX to report onto my credit report for XXXX  years which being a detriment to my credit report and character. Also, this is a violation of the FCRA. See attachments for more details.
Product: Debt collection

IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.
Product: Debt collection

XXXX XXXX XXXX confirmed in writing that they would not charge the early termination as they initially billed as this was not part of the contract that was signed. This bill was never cleared on their end and it was sold to a collection agency. I had assumed this matter was resolved per my last payment and communication with XXXX XXXX Apartments until I suddenly received a notification on my credit that a collection was opened. XXXX XXXX XXXX refuses to help me with the matter regardless of the communication trail and the collection agency National Credit System is not responsive to my communication and supported documentation also sent to them.
Product: Mortgage

My mortgage was paid in full on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received reimbursement for my escrow account nor the overpayment of interest. The bank, Bank of America, closed my account on XXXX/XXXX/XXXX so I have no way to see what 's happening to my account via the internet. Additionally, trying to call the mortgage department is a frustrating waste of time. Each time I 've tried, I was never able to hold long enough to talk to someone. 

XXXX days to settle this account is obscene. Any payments to BOA that are late are charged a late fee but banks get a free pass?
Product: Debt collection

Received notice of a small claims lawsuit filed by XXXX XXXX of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI on behalf of Portfolio Recovery Associates , LLC without any prior communication, alleging they made a previous demand for payment and repeatedly sent monthly statements, and that I did not object creating an account stated between them and me despite me owning no debt and them having no contract or evidence of a debt.
Product: Debt collection

I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYSTEM Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  : Original creditor XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX : Original creditor XXXX Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize.

These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts.

As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Product: Mortgage

Ran into difficult making loan payments. Called Wells Fargo before becoming delinquent. Was told they could not help. XXXX representative told us since we were current there's nothing they could do. I advised did not want to get behind and hurt credit. Wanted to offset problem. Eventually ended up trying to go through a modification with a third party company. To no avail. Ended up doing a short sale on property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither XXXX or Transunion will allow me to dispute false information on my report. I have called, written and gone online. XXXX has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

Transunion has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. Transunion allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. Transunion has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. Transunion has also allowed fraudulent searches of my credit history by XXXX  XXXX XXXX. XXXX  XXXX XXXX was not authorized to have access to my account and I have not business with XXXX  XXXX XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both XXXX  and transunion refuse to dispute incorrect reported information from XXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both XXXX, XXXX and Transunion have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXX XXXX, XXXX and Transunion are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!
Product: Mortgage

XX/XX/XXXX applied for modification was denied. XX/XX/XXXX, XXXX resubmitted was denied twice. XX/XX/year>. I Spoke to representative over the phone she stated I was submitted for foreclosure on XX/XX/year> and didn't qualify for any other options. I requested for missed payments to be put to the back of the loan or deferral payment plan to be done she said I didn't qualify. I was in foreclosure it was too late. " She stated to give my property back to Mr. Cooper. " If I hadn't called I wouldn't have known I was in foreclosure. No notice No communication until I went online and saw notice I was denied modification. 

I wasn't offered any solutions to prevent foreclosure not by phone, email, or or of any kind of channels. I ask for forbearance plan representative indicated I didn't qualify. She suggested I reach out to someone to help make payment in full to become current was my only option other than foreclosure.. 

I loss wages due to medical condition out of work since XX/XX/year> and returned to work on XX/XX/XXXXXXXX XXXX. I applied for Mortgage assistance XX/XX/year> awaited until XX/XX/year> denied due to state funds ran out and program was closed. This put me behind in my mortgage for 4- months missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i sent transunion these letters for these inaccurate information on my report and they havent deleted accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 
1.XXXX XXXX XXXX Account number # XXXX 2. XXXX Account number # XXXX
Product: Debt collection

1. Received Email notification from XXXX saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called XXXX again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. XXXX has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from XXXX with totally different information. 
9. I have not authorized payments for what they say I owe and XXXX can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my XXXX balance, which if that is the case they used money from my XXXX balance and the still wanted more money. This sounds like fraud on their account.
Product: Money transfer, virtual currency, or money service

- CashApp is the name of the service.

- They offer " Boosts '' which are basically deals on their account that take a percentage off a certain merchant.

- The Boost/deal I applied to my account says in the terms ( see attachment ) that it can be used every day. 
- The deal mentions XXXX 's XXXX online purchases using the Cash App card get 10 % off up to {$20.00} off and the deal can be done for multiple days, every day. 
- I did this deal on Monday and it went through okay and cash app credited me back 10 % of my purchase. 
- On Tuesday, I went to do this deal again because it says it can be done every day. 
- Before I did the deal again on Tuesday, I messaged their chat support PRIOR to doing the deal to ask if " Every day '' is considered 1 time per calendar day -or- once every 24 hours. 
- The chat agent told me to " just read the terms '' and nothing else. So I read the terms and they said, " Every day. '' - I tried to use the deal for the 10 % off on XXXX. I spent {$200.00} and expected to get {$20.00} back ( 10 % off ), but I was denied that 10 % off, yet the transaction went through at full price. I messaged the CashApp customer service through their chat feature, but they told me they would not honor the 10 % off or credit my account. 
- If a doctor tells me to take a pill every day, I will take a pill every day. If a doctor tells me to take a pill every 12 hours, I will take it every 12 hours. So how does Cash App believe their terms are true?
Product: Credit reporting or other personal consumer reports

I would like Equifax XXXX XXXX to remove an account that they are inaccurately reporting under my credit report. This account is under XXXX. XXXX XXXX and they responded that this account is past the statute of limitations. This account was unable to ever be validated under 15 USC 1692g. The two credit bureaus failed to provide legal documentation that this account actually belonged to me. I am disputing this account as inaccurate and unverifiable. XXXX has already removed it due to its inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Product: Debt collection

This complaint is against XXXX XXXX XXXX and credit control who are unlawfully attempting to collect a debt i do not owe. they sending letters to my residence repeatedly, I made numerous attempts to try to get them to validate the debt but they failed to do soXXXX sold the debt to a third party without my consent.these companies are in violation of numerous consumer laws such as 15 usc 1692j, 1692f, 1692c,1692d, 1692g, and 1692k.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form 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: Student loan

I have tried to contact Navient 5 times to resolve the issue of Teacher Loan Forgiveness. During that time they have told me a number of things that I know to be incorrect, such as " You must serve 5 more years from the day you apply a payment to your account in order to be eligible for teacher loan forgiveness. '' I know that this is untrue, as it is the years I spent XXXX TO earn the XXXX award, not when I use it. It states this on the Federal Student Teacher Loan forgiveness page. They have denied my forbearance request and even claimed that I am not eligible for teacher loan forgiveness at all. When I quoted the website and a conversation to refute these claims, they suggested that I contact XXXX, the guarantor. When I contacted XXXX they answered the phone as 'Navient. ' When I asked for clarification, they gave me another number. I asked, " Is this for XXXX? '' They said, " yes. '' When I called that number, it was the XXXX line. I am fed up and have had enough.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX  in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX  ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.