23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX  on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. 
and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 this item is being reported correctly? Who verified this account? 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. 

XXXX XXXX XXXXXXXX
Product: Mortgage

I have arranged financing to avoid foreclosure and keep my family in my home while my wife undergoes XXXX treatment. She is also facing a high risk XXXX due to her condition and has a detached retina as well. XXXX XXXX is refusing to communicate with me and they will not even sell the mortgage note to a XXXX party that is willing to not only pay the price of the note, PAR plus interest, as well as any legal fees involved. The XXXX XXXX XXXX is trying to help me stay in my home and help my family out but XXXX XXXX is refusing and they are putting my wife 's and unborn child 's health at risk. Below is the email chain and I removed the names except for XXXX who represents XXXX XXXX. I can forward the actual email upon request. I do not see how a mortgage company can do this to a family in need. I XXXX ( XXXX hours ago ) to XXXX XXXX XXXX XXXX Adding the borrower to the thread. We would be happy to pay PAR plus interest and all legal fees to date. This would all be in conjunction XXXX the cooperation the borrower and full releases for the lender by the borrower. All done In the efforts to refi him. 


XXXX, XXXX XXXX ( XXXX hours ago ) to Good morning, I spoke with the folks at the bank, and they are not interested in selling the loan. Thank you for reaching out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Inquired XXXX XXXX XXXX XXXX
Product: Checking or savings account

Closed my BOA checking account ( Debit card ending in XXXX ) in XX/XX/2019. The balance was roughly $ 64.xx. I have called several times to request refund since XXXX BOA claimed to the refund check can not deliver in XXXX Called customer service a couple times more to verify the address and was told the check will be sent out by end of XXXX, then XXXX ... Till today, I have not seen any check delivery. No explanation and no further follow-up.
Product: Credit reporting or other personal consumer reports

Company was settled in XXXX company sued me in XXXX for a debt that was already paid for. I want company to send me {$1000.00} for the violation of the fair debt collection protection act and remove the item from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Diversified ADJ SVC Account Number : XXXX Creditor : XXXX Date of Collection Entry : XX/XX/year> I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email .

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

It's a fraudulent debt collector claiming I owe the XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$690.00} XXXX XXXX = {$4800.00} because the exact same notice came in XXXX envelopes with consecutive reference # XXXX These notices dated XX/XX/year> are from XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I phoned and emailed the notices to the XXXXXXXX XXXX and asked if I owe them. The XXXX XXXX replied that my balance is XXXX because XXXX and XXXX paid all my expenses. 

I got the exact same debt collection notice dated XX/XX/year> in XXXX envelopes with XXXX consecutive reference # XXXX from RTR Financial Services Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX - and toll free XXXX. This notice said my payment deadline was XX/XX/year>. 
This company phoned me in XX/XX/year> to get my Date of Birth. When I refused to give it to them the caller said : " OK then we will remove you from our list. '' So I am surprised to get the same notices from this " other '' debt collector XXXX XXXX. 

The XXXX consecutive Ref # XXXX on the notices from both the companies are from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Debt collection

Every day this past week they are contacting my mother!! By phone calls and text messages. I do not know what this account is about. I do not have any family members listed on any of my credit cards, loans etc. 
The last text sent to my mother is attached : XXXX XXXX XXXX, this is XXXX XXXX XXXX. 
- Flexible settlement options are available for your account ( Ref : XXXX ). 
- Call/text XXXX or visit [ XXXX XXXX XXXX ]. 
- This is an attempt to collect a debt. Text STOP to opt out. 
Text STOP to opt out
Product: Credit reporting or other personal consumer reports

today XX/XX/XXXX i was the victim off a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. i appreciate your help in removing this from my records. 

the inquiries are as follows : XXXX. XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX lend XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus and consumer reports are still reporting inaccurate information on my account I have asked it be removed and offered proof and written request and XXXX and XXXX are still reporting my accounts as delinquent when I have No delinquent accounts the information is in accurate and several are fraudulent I have lock on my reports however they still have not removed old accounts and continue to report invalid information which I would like removed
Product: Debt collection

XXXX XXXX XXXX assignee of Continental FinanceXXXX MasterCard c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.
Product: Debt collection

On XX/XX/XXXX a notice of settlement was received from Midland Credit Management advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to Midland Credit Management in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " XXXX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, XXXX dispute results were received and there was an observation that on XX/XX/XXXX " XXXX XXXX XXXX '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " XXXX ''. It should also be noted at time of inquiry neither " XXXX '' or " XXXX XXXX XXXX '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from XXXX that stated " This account has been assigned to XXXX XXXX ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
Product: Debt collection

A new collection was opened on XX/XX/2023 at XXXX XXXX. Not really sure from when considering I dont remember ever going to XXXX XXXX for anything. I also have state health insurance so either way this would have been paid in full.
Product: Credit card

i have filled a FRAUD claim with WELLS FARGO CREDIT CARD COMPANY and they are refusing to resolve the fraud case with me. I have filled a POLICE report and provided all the information to them i had also filled to receive a new ID Because i left to XXXX and recently had that done. And now the credit card company is refusing to solve the claim in my favor because they are saying the store that my card was used frequently it was used XXXX years ago same store. For me this doesn't make sense at all. I have filled a police report i didn't know i was supposed to and provided everything they had asked of me and now they are refusing to file the claim and do their du diligence and investigate to see its not me, but again they are refusing to do that i would like wells Fargo to be investigated because this is a very shady company i have never had to deal with this kind of company that is not willing to help me when i had fraud on my credit card, Please help me resolve this issue because they want to leave this charge on me they have send me a letter datedXX/XX/XXXX that they have completed the fraud case and it was authorized by me. This is not right this is unfair please fully investigate this company because this is wrong treatment to someone who is not guilty i have done everything they have asked from me they still don't care no one is helping me from wells Fargo department to resolve this. They have not done full investigation and they sre trying g to get rid of me. I feel like i am discriminated against and i am not being treated fully i don't know if its because of my voice or what but wells Fargo company is a fraud to me for not helping with this fraud case i have opened with them i even asked them to open a camera to view this is fraud they said you go and do that yourself they are not treating me fairly.
Product: Debt collection

PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$2000.00} Balance updated XX/XX/2021 the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. What would you like done
Product: Credit reporting

I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX  -ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

LVNV Funding # XXXX ( XXXX ) {$670.00} XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach XXXX would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

In XX/XX/XXXX I applied for a small personal loan to consolidate my debt but was denied due to a collection placed on my XXXX Credit Report. The issue is not only am i know the responsible party but I never even received the bill because the collection notices were being sent to an address that I haven't lived in in over a decade. 

Additionally, this bill was to be paid by my attorneys office on my behalf due to a car accident that I was involved in over 2 years ago. I made the collection agency aware of this when I first discovered the issue. All collection attempts were to go through his firm and not myself. 

XX/XX/XXXX I applied for a small furniture loan in which I was denied because the inquiry still wasn't removed from my report at which time I reached out to my attorneys office and was told that they were working on the issue. At this point, the collection agency refused to talk to me about my issue because I was being represented by an attorney. 

We are now approaching XX/XX/XXXX and we aren't any closer to getting this resolved and I cant refinance my loan on my home because of this inquiry. I am devastated and have been unable to sleep for months! According to my attorney, I sworn officer of the court, his office has requested a verified bill from them to submit payment " many, many times '' but to know avail. ( See attached emails. ) On XX/XX/XXXX, in a desperate attempt to get this matter resolved immediately, I relieved my attorney of his duties so I can deal with this matter directly since my life is being affected so drastically. 

After doing so, I asked if I can resolve this issue by making a payment and have the collection removed from my credit report immediately since I, nor my attorneys office was made aware of the bill in a timely manner. I was denied this right, thus, prompting my complaint.
Product: Debt collection

I disputed this debt with Aargon and what they sent me in the mail fell woefully short of what I requested. The documentation they sent to me was not received in a timely manner at all! I received their poor excuse for debt validation on XX/XX/XXXX, after I disputed the account on XX/XX/XXXX, and Pursuant to the Fair Debt Collection Act, they have 30 days to respond to a consumer for a validation request. I am very displeased by this, and the inaccurate and untimely reporting of this erroneous account is uncalled for!