23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunrise debt collection had been calling me and I didnt answer at first because I thought it was spam. After they kept calling, I did research and found out it was legit so I called them and asked to receive verification that the debt was mine. After this call, I never received any information, only more calls. So then, I wrote out a letter from myself requesting a debt verification letter on XX/XX/year> along with a message requesting they confirm they received the notice. They responded with an email requesting I provide them some identification information with the end of their email saying, This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. I decided not to respond since my original letter states, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. In addition to their email explicitly stating they will use information given after my request for verification and to cease and desist, for the purpose of attempting to collect a debt, they have also attempted to call me again today ( XX/XX/year> ) at XXXX. If Im correct, their actions after receiving my debt verification request letter violates my rights provided within the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After closely reviewing my credit reports, I have established that JP Morgan Chase Bank ( JPMCB ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XXXX XXXX, 2022, I sent a letter putting JPMCB a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit card

MONTEREY COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS BEEN REJECTED Exercising My Right to Opt out To Whom it May Concern Your company Monterey Collection is illegally trying to collect and is furnishing false items that violates my consumer rights the FDCPA and FCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act. In your response your statement is that Monterey, as the assignee in this matter, is not subject to the Fair Debt Collection Practices Act ( FDCPA ) But on your website your company says. 

The Federal Trade Commission ( FTC ), a consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), Unfair Deceptive or Abusive Acts or Practices ( UDAAP ) and several more. 

You are fully aware of the law but instead says you dont have to follow it? Be advised that your claims of validation have been rejected, you are in fact too a debt collector and are subject to Fair Debt Collection Practices Act ( FDCPA ). 
15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. 

Your company has to provide illegal proof I have legal obligations to pay this alleged debt. Your company explained in response via CFPB says quote your company is an assignee and was assigned to collect this debt. 

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Even though you sent a dunning letter, it still dont mean you have legal obligation. 

12 CFR 1006.38 - Disputes and requests for original-creditor information. 
( d ) Disputes ( 1 ) Failure to dispute. The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all information listed is reported illegally an fraudulent reporting that is hurting my credit file. this issue needs to be reviewed an corrected to help my credit file get clear. please review an remove the listed items asap to help clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX remove immediately. acct balance is incorrect and XXXX XXXX allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX  has removed this acct but not XXXX or transunion
Product: Debt collection

On XX/XX/2021, I learned there was a fraudulent collection against me on my credit report. I then proceeded to check my credit report for further details about the fraudulent collection against me. From this information on my credit report, I learned that the collection was from XXXX XXXX and was sent to AmSher Collection Agency. The credit report listed that the amount sent to collections was {$120.00} ( XXXX XXXX XXXX dollars and XXXX cents ), which is equivalent to an equipment fee if not returned. 

I then called XXXX XXXX ( hereinafter XXXX ) and AmSher continuously on XX/XX/2021 and also XX/XX/2021. On XX/XX/2021, XXXX told me that the account in question was closed three years ago and that the collection was invalid and erroneously sent to AmSher Collections Agency. XXXX clarified that there is no balance on the closed account and that the equipment was in fact returned timely with no fees to be charged. Despite repeated attempts to contact AmSher to tell them I owe nothing and get an account number for the collections that was filed against me, AmSher refused to provide an account number and failed to verify my personal information every time I called. 

They were extremely defensive and said they could not provide an account number ; however, XXXX told me that as a collection agency, they must provide me the account number in dispute. Also, I emphasize I received NO WRITTEN INFORMATION or NOTICES or otherwise from either Charter or AmSher. Seeing it on XXXX XXXX was the only way I would have known about this fraudulent collection filed against me. 

The little personal information that AmSher did provide was incorrect with an incorrect date of birth and a street address that was partially incorrect. AmSher kept badgering me for my social security number, name, and date of birth. I refused to give them my social security number because like I told them, XXXX told me that AmSher does not need my social security number to verify the fraudulent collections filed against me.

This has led me to believe that AmSher is a fraudulent company who scams people, as they will not clear my account ( of which I owe {$0.00}!!, XXXX dollars! ). Additionally, they repeatedly request personal information that is unnecessary to resolve the dispute. They also failed to confirm the personal information they had on file and refused to give me the account number. 

XXXX refused to give me any documentation because they said my account is too old. However, multiple times on the phone, they confirmed that I owe nothing and the balance is {$0.00} ( XXXX dollars ) on that account and that the collections should have never been filed against me in the first place, of which this collection is an error and fraudulent. 

I have reached out and filed a dispute with the credit agency bureau involved as this is fraud and this collection agency company should be reported. 

Please help me to resolve this dispute, clear my name, and clear this collection debt balance owed on my credit report.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .
Product: Checking or savings account

Beginning on or about XX/XX/XXXX and continuing through XX/XX/XXXX, Bank of The West charged me {$240.00} in overdraft fees. On XX/XX/XXXX the Bank charged me {$70.00}, on XX/XX/XXXX it charged me {$140.00}, and on XX/XX/XXXX it charged me {$35.00}. I wrote to the Bank requesting a refund of the fees. I have deposited funds for all of my transactions. This is a despicable and predatory manner of charging fees. Bank of The West claims to have done away with charging fees, but it still to this day continues to take advantage of the average consumer by charging exorbitant fees, even for transactions as low as {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not responsible for this debt and would like it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : AMEX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX AND XXXX  . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX , AND XXXX  . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.
Product: Debt collection

On XX/XX/XXXX Gateway Financial Solutions repossed my car with my property in the car, my children 's XXXX, clothes shoes, my purse, my driver license and my ear pods, They have refused to give me any of the said items including my cash in car of XXXX $ I would like 2 retrieve my items. THEY ARE ASKING ME TO MAKE A PAYMENT OF {$150.00} TO RETRIEVE ALL ITEMS IN VEHICHLE. THEY HAVE REFUSED TO GIVE ME ANY ITEMS
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, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ CB/NY & CO XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information listed on my credit report maintained by your agency, as permitted under 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act. I have reviewed my credit report, and I believe the following information is incorrect : Additionally, please provide written confirmation of your findings and any corrections made to my credit report. If your investigation does not resolve my dispute, I request that a statement of my dispute be included in my file as required by 15 U.S.C. 1681i ( b ) - ( c The information is incorrect please move from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants , INC is attempting to collect a debt from me in the amount of {$1100.00} which i am not responsible for and is reporting this fraudulent debt to the credit bureaus in my name. i have been contacting the company since XX/XX/2019 and requesting that they remove this account from my credit reports as it is fraudulent but they refuse. i received a letter from them on XX/XX/2019 stating that will not stop reporting this debt.
Product: Debt collection

During the seven-day period from XX/XX/XXXX to XXXX, the following phone number derived from Comentity Capital Bank placed the following calls : Call logs are attached as exhibit a. 
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 As you can see, this fair exceeds the threshold of harassment in order to collect a debt.
Product: Debt collection

I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquiries with XXXX, Experian, and XXXX. XXXX, Experian, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending XXXX, Experian, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.
Product: Vehicle loan or lease

I have been receiving an excessive number of phone calls and have attempted to make arrangements with the callers, but they have been unwilling to cooperate. These callers have reached out to numerous individuals within my personal and professional networks, and I am at a loss as to how they obtained their contact information. They have been calling my workplace daily and frequently, which could jeopardize my job security. Additionally, they have been inquiring about my work location and other sensitive information.
Product: Mortgage

We are applying for a loan modification in California from Wells Fargo Home Mortgage. Further documents were requested with a due date of XXXX XXXX. We attempted to make a payment on XXXX XXXX and the bank would not accept it. Our most recent payment was on XXXX XXXX. They now tell us our loan went into foreclosure status on XXXX XXXX. We can only make a payment of all the arrears plus fees which we can not afford. We would like to continue making payments as we attempt to catch up on arrears following my husband 's job loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX With XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a message from my credit report-regarding a possible negative impact on my credit. 
A company called Credit Management Copy bellow : Type Potentially Negative - Major Derogatory Status XXXX XXXX XXXX ( Collections ) Company name COLLECTION MANAGEMENT Phone number ( XXXX ) XXXX Business type XXXX  Payment status {$4000.00} Status date XX/XX/year> Account open date XX/XX/year> I have health insurance and that was covered from my insurance provider. 
I call credit management at XXXX And spoke with them- they treated me- lots of XXXX people- they were rude - disrespectful I need an immediate action regarding this matter. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought XXXX iPhones from the XXXX XXXX XXXX XXXX XXXX for {$2000.00} I was charged for this purchase TWICE - equal to XXXX iPhones on my Apple Card. 
The Apple Card credit card was offered thru Goldman Sachs. 
The payment for the first XXXX iPhones I bought was paid on XX/XX/2022 from my checking account. 
An illegal charge for the same amount was deducted from my checking account again on XX/XX/2022. 
Attempts have been made to contact both the XXXX XXXX XXXX XXXXXXXX store and Goldman Sachs ; but they just transferred me around - trying to avoid responsibility. 
XXXX chat case : XXXX. 
XXXX order : XXXX