23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Debt Validation Request Dear ALDOUS I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe.

Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit reporXXXX XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. ACCORDING TO FCRA Section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed several accounts posted by XXXX , XXXX collection agency in my Transunion files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but Transunion continue to report accounts thatre not mine. 
XXXX , XXXX is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both TransUnion and XXXX , XXXX. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to XXXX , XXXX I was never notified of any collections by XXXX , XXXX or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that XXXX , XXXX had posted these negatives accounts on my credit report I disputed these accounts with TransUnion and I requested debt validations directly thru XXXX , XXXX. 
XXXX , XXXX had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that TransUnion favor they paid clients and really dont want to upset by requesting full verification from XXXX , XXXX. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that TransUnion had shown over the dispute process and collection agencies like XXXX , XXXX that reports inaccurate information without any consequences due to the loop holes in the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve had an account with XXXX  XXXX open XXXX  XXXX  since XX/XX/2012 until current. Ive attached a bill from past to confirm im daying the truth. I was victim of identity theft and open XXXX XXXX fixed the error. The credit bureaus have not updated. This account as XXXX. Time never late. Credit limit is 500 anf balance is only XXXX dollars. Please have credit bureaus update records
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a disturbing news from my credit bureau ( XXXX  ) that Conn 's reported 30days past due which alert me to call Conn 's, because I just paid them on XXXX for my XX/XX/XXXX payment I can only pay on the XXXX of the month and they wont change the due date so the rep offer me an extension and set me up on auto debit to starting on XXXX so I'm always 2 weeks ahead rather then 2 weeks late but this shouldn't ever cause Conns to report me 30 days past due I been paying this way for over over over a year now. so I called Conns today XXXX because if I didn't accepted the extension and with the payment on made on XXXX for my XXXX payment my account would of been 7 days past due as of today XXXX and I would of paid it on XXXX. so I called the rep on XXXX and I was advised that they made a mistake and misapplied my payment THAT THEY MADE A MISTAKE, I reminded them due to there careless mistake it caused to mark my credit I'm extremely upset I want this matter fixed immediately this isn't the first time these people made a mistake, I demand its fixed and they need to update my credit bureau I shouldn't have to prove to them that they reported my credit when they know they did if you are willing to fix the mistake this should also include the negative reporting as well on there part, if my credit and account isn't fixed being this is the 2nd time I had to deal with them since 2016 I'm prepared to make an Attorney General complaint and contact the news I work very hard to build my credit and to get knocked down and punished for there careless mistake and tell me they don't know if they would fix my credit but they would try to fix my misapplied payment isn't fair its abuse this is terrible so I have to put my life on hold and wait 72hrs to hear back about my money they took from me that sitting in my conns account but yet reporting 39 days was my money applied to someone else account???????? I want my account to report and reflect current like it suppose to be and update all 3 credit bureau they made the mistake they need to fix it entirely!!!!!!!!! 
I'm suppose to be buying house you are messing with my life AGAIN!!!!!! I WILL NOT LET THIS SLIP AWAY THIS TIME!!!!!!!!! EXPECT MORE COMPLAINTS
Product: Credit reporting or other personal consumer reports

Experian keeps dropping my score by XXXX points for no apparent reason. Nothing has change since this drop occurred.
Product: Credit reporting or other personal consumer reports

Experian credit has incorrect account information. Ive disputed ; however, they do not conduct an accurate investigation. As soon as I dispute, I receive an email within 30 minutes stating theyve finished their investigation. And the account information remains as is.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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: Credit reporting or other personal consumer reports

I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Negative Accounts 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 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 am a victim of identity theft and the collection company knows this but refuses to take off the debt that is not mines. I have filled out police reports and FTC reports for this. But unfortunately they don't comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023, Experian, XXXX, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening.

According to 15 U.S. Code 1681i, it is clearly stated that Experian, XXXX, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report.
Product: Debt collection

Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.
Product: Credit reporting or other personal consumer reports

I've been attempting to freeze the report for a XXXX 

I made submissions to all XXXX bureaus. XXXX and XXXX acknowledged and froze the XXXX. 

Equifax replied I didn't submit the required documents ( I did ) and rejected it. 
I submitted a second request ( again with all the required documents ) and they rejected it again. 

I called and they told me to submit it a third time and if it was rejected a third time, they could help me over the phone. I only have an image of the second letter.
Product: Checking or savings account

Contacted citibank in XXXX for a XXXX order of XXXX. Provided all information and advised citibank that I am going away on vacation. I messaged the vendor as well who never responded. 
Citibank credited my account on on XX/XX/XXXX for the amount because the vendor provided them with a rebuttal. 
I never received the parcel as the vendor never sent it intil I advised I'm on vacation. I provided tracking information and screenshots. 
Citibank advise to send information for an appeal which I sent. The managers advised there is nothing needed to be done on my end after providing me with a provisional credit for the second time. I was advised by a manager name XXXX who stated that they will utilize the email i sent to disputes department. 
Citibank refuses to utilize the information given. I call for an update and they advise to pay more money to fax information already sent to XXXX. 
Citibank also unlinked my accounts for no reason which caused me to make a complaint. Citibank is fraudulent and appeals don't work as I have proof from management that they will always take the first determination and not utilize any proof provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not all the information is correct on the three credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.
Product: Credit reporting or other personal consumer reports

inaccurate and false accounts address jobs names collections and unauthorizes inquiries on my credit report. for XXXX and Experian. i also pay XXXX to avoid these errors and they refuse to remove it including information that was already removed has reappeared. 

XXXX XXXX ( Experian and XXXX ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized loan account previously disputed and removed reappeared on credit ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments ) Inquires every month from XXXX ( XXXX only ) XXXX XXXX ( XXXX only ) XXXX ( fraudulent collection account disputed for over a year ) XXXX XXXX  ( Experian and XXXX ) XXXX ( unauthorized credit card previously disputed and removed reappeared closed but reporting balance updates monthly as late payments )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXXXXXX I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated XXXX XXXX collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was sold from XXXX XXXX to Shellpoint Mortgage effective XX/XX/year>. 
I received a paper statement from my county real estate tax division saying my taxes have not been paid. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Today, I received a voicemail from the supervisor in the escrow department stating that my account was " not set up to escrow and therefore they will not be paying my property taxes and any late fees will be up to me to pay. Meanwhile, they have over {$5300.00} of my money sitting in an escrow account and are collecting {$710.00} per month of my mortgage payment to put toward escrow. 
I called this XXXX back and all he kept saying was that " my account was not transferred with an escrow account when I can clearly see it on my account online. He can not explain to me why the money is sitting there. 
Additionally, they applied the very first payment I paid them in XX/XX/year> to all interest and escrow and none to principal. They can not seem to figure out how to fix it. They have made a giant mess out of my account and backed out payments and reapplied them again incorrectly. I have made 2 payments and they have messed both of them up. To insult me further, I got a threatening late notice because my loan was showing due for XX/XX/year> because they backdated payment postings to XX/XX/year> when I wasn't even their customer yet. I am hoping someone can help me because no one is helping me there.
Product: Credit card or prepaid card

I have a joint checking and savings account at US Bank with my daughter. Both our names are on the account. I have a Visa credit card attached to the account as well. I have never missed a monthly payment. My daughter downloaded the US Bank app and made a {$2000.00} payment on XX/XX/2022 to the credit card balance by utilizing the " link bank account '' option which connected her XXXX account and submitted the payment to be applied to the card balance. Another payment of {$1000.00} was submitted on XX/XX/XXXX via the US Bank app to the Visa credit card account the same way, via the linked account. These were payments made in addition to my regular monthly payments. 
On XX/XX/2022 I received a letter from US Bank ( dated XX/XX/2022 ) stating that they had closed my credit card account effectively immediately. 
Their reason : " we are unable to determine that you are the owner and/or authorized agent for a Demand Deposit Account ( XXXX ) being used to facilitate payments to this account '' and " No further use of your card will be permitted effective immediately ''
Product: Debt collection

Both my elderly parents and I received the following voicemails from M & S XXXX using blatent scare tactics to obtain personal/private information about me. 
" Hello this message is intended for XXXX. I 'm calling today in regards to asset verification to confirm your address and place of employment. I was forwarded some documentation it does verify your name and security number in regards to this process for enforceable review. Please be advised we are requesting for you to sign for and respond to a required demand notice. Before I go ahead and begin the scheduling of your document I wanted to inform you that your processes me an expedited and should commence within the next 24 to 48 hours. At this point in time, with any questions regarding this matter you may contact an advisor directly at XXXX your number with them is XXXX. To be clear, failure to contact them may result in further determinations being made pursuant to state and federal guidelines. You have been officially notified. '' I contacted them to request that they cease and desist with the calls as they were upsetting my parents and when I would not give my personal information, the agent, XXXX XXXX, became very rude and when I asked what it was regarding he said a loan that was defaulted on with XXXX XXXX from 2001. I did not have a loan with XXXX XXXX and even if I had, the statute of limitations in the state of Georgia is 6 yrs so this would be outside of the statute of limitations. I asked him to please send what he is claiming to me in writing so that I can properly refute it and he said " what you will be getting is a demand notice for the full amount which you must pay within 30 days, so good luck with that. '' And he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have 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 card

I made a payment to my Ally XXXX Credit card on XXXX XXXX of {$470.00} from my Ally Checking to make a ZERO Balance. With no authorization, Ally XXXX XXXX made a withdrawal from my checking account of {$470.00} leaving me a credit balance of the same. I have spoke to them on XXXX XXXX and today, but they can not inform me when they can return the XXXX payment to me checking account. I have closed the account with tne.