23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Equifax allegedly verified the account listed as XXXX XXXX XXXX XXXX XXXX XXXX but how did they verify this account they are the only consumer agency reporting the account and it does not obtain enough information to be verified. I have asked Equifax to send me the details they used to verify this account so I may follow up on the information myself and federal law states they must perform reasonable investigation and they have not.
Product: Credit reporting or other personal consumer reports

Apparently thee are some fraudulent accounts listed on my credit report.
Product: Debt collection

I was going thru a divorce, in which this cc was growing in debt, due to my wife at the time. In which she claims ashe is n't and wo n't be responsible for any charges under my name. Most of the debt concurred was made thru my Acct but not me. Even while we were separated my credit cards were still being used due to having access to my cards. In some cases we had XXXX cards. This company had said to me over the phone. That they will no longer call me, and not harass me due to my divorce and all the money that was taken from me. Also the company had wished me the best in luck with my divorce. I just had no money at all to pay for gas and simple meals at that time. Resulting in 9 years of living almost homeless. The credit card company sided with me and dropped this matter. I finally got some room to live again and now all of a sudden the account has been reopened after 2011. I had financed a truck last year my only big purchase in which my mother pays off monthly. While I continue to pay 25 % of my pay check to my ex wife. Until my children reach XXXX years old. Approximately XXXX more years from now. So why come after a person who can barely eat. I needed a truck for work in once again I do n't pay for. My other vehicle has over XXXX miles. Please seize to try to collect from me. I 'm still trying just to get up and work for my children to have clothes, and everything else kids have now. I wish I had money to live but in all fairness. I 'm barely living. I try daily to make more money, by trying to help in side jobs, just so I can take my kids out to a movie or just to dinner. I have n't been in a situation like this my whole life. I worked for everything I owned. In the passing away of my father from XXXX XXXX, I lost my job and heard from now my ex wife, hat I 'm not a man for losing my job. And I better do something fast or this family is over. Plus she wanted a larger house. For years I 've tried to have a better paying job, but it did n't happen. The stress was so bad i had XXXX, and put on XXXX and XXXX XXXX. I have nothing left to say or can do. Please stick to our hard times agreement. Due to financial loss, and divorce.
Product: Credit card or prepaid card

Here 's the short version : I recently opened a dispute about a charge on my card, by a hotel at which I didn't stay. The credit card refunded the disputed amount, the merchant refunded a somewhat smaller amount ( thereby admitting they were at fault ), the credit card therefore rebilled the double-refunded portion ( so that I wouldn't get double credit, which is completely fair ). They've now resolved the dispute by rebilling the *entire* amount. 

But that doesn't make any sense : the merchant agreed that they owed me some portion of the dispute ( hence their voluntary credit, which was rebilled so as not to double-count ). The credit card company has " resolved '' the dispute by finding that the original charge was valid. But how could the original charge be valid if the merchant admitted that it was not valid? 

Here are the original details. I was charged {$630.00}. I disputed XXXX of that charge, since I did not receive the provided service. ( I then received a credit for that amount ). I was then credited by the merchant for {$360.00}, thereby admitting that they owed me for ( that portion ) the dispute. The credit card company noticed that credit, and so rebilled my account for the {$360.00} ( since I had been credited the XXXX, and it didn't make sense to receive two credits ). 

The card company is saying that they're rebilling the XXXX remaining in the XXXX credit. But that doesn't make any sense. The merchant AGREED that they owed me {$360.00} ( and I think they owe me more ). But in any case, how can they possibly owe me any less?
Product: Debt collection

To Whom It May Concern, I am writing in response to the recent notification from Firstsource Advantage , LLC indicating that my account has been returned to your office for further handling. This matter involves significant legal violations that need immediate attention to avoid further escalation. 

Legal Violations 1.Failure to Provide Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I am entitled to full validation of the debt, including the original signed agreement, itemized breakdown of the charges, and proof of legal assignment or sale to any third-party agency. Neither Afterpay nor Firstsource Advantage , LLC, has provided the requested documentation. 
2.Improper Reporting of Disputed Debt If this debt has been or will be reported to any credit reporting agency, doing so without proper validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( b ). As of this communication, the debt remains disputed, and no further reporting is lawful. 
XXXXNegligence in Assigning Debt XXXX  decision to place this account with a collection agency without prior validation or notice to me demonstrates negligence and non-compliance with the FDCPA and XXXX XXXX XXXX Standards. 
XXXXEmotional and Financial Harm The mishandling of this matter has caused undue stress and forced me to spend significant time and resources addressing these violations. This situation could have been avoided had XXXX followed the required consumer protection laws. 


Potential Litigation and Costs If XXXX fails to comply with this demand, I will have no choice but to escalate this matter. This includes : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
Pursuing a federal lawsuit seeking statutory damages of up to {$1000.00} per violation under the FDCPA and additional damages under the FCRA. 
Initiating arbitration or legal proceedings, wherein XXXX will be responsible for arbitration and legal fees. 

Case law, including XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), underscores the legal precedent for holding companies accountable for violations of consumer rights. 

Deadline for Response You are hereby given XXXX business days to respond to this letter with the requested documentation and a resolution proposal. Failure to do so will result in immediate legal action and formal complaints to the appropriate regulatory authorities. 


Thank you for your prompt attention to this matter. I look forward to resolving this issue in a manner that upholds my consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am the husband of XXXX XXXX, for whom I am submitting this complaint. We subscribe to XXXX XXXX from XXXX XXXX. On XXXX XXXX, 2020, my wife, XXXX XXXX, received a credit alert from XXXX  of derogatory information submitted to the three credit bureaus. It was from XXXX XXXX XXXX, of XXXX, GA, indicated she had an unpaid debt of {$250.00}. The open date was XXXX. On the day we received the alert, I called XXXX, and the responder could find no record of such a complaint or bill in their system, under either my wife 's name or SSN. XXXX is also known as ( XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, aka, XXXX. Neither XXXX or XXXX has any record of an account or bill for XXXX XXXX, by name, address, phone, or email. Nor is there likewise any record of a business account. XXXX  is an internet company, but has no accounts in our home city of XXXX XXXX in our zip code, XXXX. Nor does XXXX XXXX, which was bought by XXXX several years ago. 

Today, XXXX XXXX, 2020, we received another fraudulent charge alert from XXXX XXXX. From XXXX XXXX XXXX, of XXXX, XXXX. I contacted them, with XXXX answering. They had XXXX name, DOB, and SSN. But the address was XXXX XXXX XXXX XXXX, XXXX, TX. As noted above, we live in XXXX XXXX, FL. XXXX never been to Texas, XXXX or otherwise. The bill in question was supposedly from XXXX XXXX XXXX, for {$440.00}, of which {$220.00} was a service charge, and {$220.00} was for returned equipment. We have never had an account with XXXX XXXX XXXX. However, I believe XXXX XXXX was bought by XXXX XXXX, which I believe owns XXXX, the first collection agency noted above. 

I have discussed this with both collection agencies, but have received no response. 

Please consider this as a complaint of both fraud and identity theft. 

Please confirm, and advise.
Product: Mortgage

My two loans were sold to the Money source for servicing. 

I was sent a letter stating my insurance had lapsed and they were charging me for new insurance. I called 8 times and was transferred and dropped each time. each time i spent over one hour to reach someone. i sent 20 emails and no response except to call the number even though i was told i could send an email i was told the property taxes were not paid and wanted to find out what happened. No resolution even though property taxes were included in both my loans. they deliberately make it nearly impossible to reach the company. in the meantime they charge you for excessive services.
Product: Debt collection

This debt collector is Medical business bureau. I did not receive a right to dispute letter from this debt collector and I did not receive enough information to validate the debt. The debt notice I received from this collector indicated a series of debts totaling {$2700.00}. 
I sent them a letter by certified mail requesting more information and also validation of the debt. The letter I sent to them was via USPS certified mail dated XX/XX/2021 and I have proof that the USPS delivered the letter to them on XX/XX/2021. The proof is attached to this complaint. 

However to date I have not received any response from Medical business bureau and they have not validated the alleged debt. Today XX/XX/2021 makes it a total of 50 days since the letter requesting validation of debt was delivered to them by the United States Postal Service.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary.

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine.

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue.
Product: Debt collection

The previous reply from LVNV/Resurgent ( XX/XX/XXXX ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}. 

Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired. 
12. The last payment to the Account was on or about XX/XX/XXXX in t h e amount of {$5.00}. 

LVNV still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments. 
2 ) All documents related to proof of mailing of statements. 
3 ) All information and documents relating to compliance with XXXX. Admin. Code XXXX, XXXX XXXX. 
4 ) All documents related to reporting made to any consumer reporting agencies. 
5 ) All documents relating to any dispute concerning the validity of the alleged debt. 
6 ) All documents relating to cancellation or termination of the agreement. 
7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against LVNV & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit.
Product: Credit reporting or other personal consumer reports

Hello. I am submitting this complaint today as I have observed that my monthly credit report update counting is coming to an end, precisely 15 days from today. Therefore, I wish to inform you that I am hopeful for a substantial deletion to occur among the list of these fraudulent items, which I have previously listed in my complaint dated XX/XX/XXXX. To ensure the removal of these items from my credit reports, I have re-attached my FTC reports with reference # XXXX & XXXX, along with letters and documents for identity verification : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX A XXXX, MD XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Mortgage

Incorrectly derogatory credit reporting. We have had to work through several issues with Seterus and the XXXX County Tax Assessor which took several months but is now completed. During that time Seterus marked our account at delinquent which it was not. In the final settlement I paid the account in full on XXXX XXXX, XXXX and was told at that time but the person in the customer service payment department that out account was current for XX/XX/XXXX. 

On XXXX XXXX, XXXX I spoke with XXXX XXXX in Seterus Consumer and Government Affairs Department, she agreed to correct the final issues with our account, refund the overpayment of escrow and suppress the derogatory credit for XXXX XXXX and XXXX XXXX. At that time she re-iterated that our XXXX XXXX payment was current and XXXX XXXX would be reported as on time. 

Forward to today Seterus has reported our account as 30 days delinquent for XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX left a voice message and have had no response from her. 

I also called Seterus Customer Service on XXXX/XXXX/XXXX and they verified that our account was paid on time for XXXX XXXX. Yet they still reported our account as 30 days delinquent. 

We want to have the credit reporting for XXXX XXXX corrected immediately and the derogatory credit for XXXX XXXX to be properly reported as on time/current or for it to be suppressed. 

We would like this to be addressed immediately as it is affecting both our credit ratings. 

XXXX XXXX XXXX XXXX Loan # XXXX
Product: Checking or savings account

On XX/XX/2021 I opened a checking & savings account with XXXX online and was provided with an option to transfer funds electronically from an existing account. I opted to submit {$500.00} from my Chase checking account, which was debited from my account the following day. 

On XX/XX/2021 I received notification that XXXX  was closing my account. I was instructed any deposits would be returned. According to XXXX the {$500.00} was never deposited into the account at XXXX but the funds were never returned to my Chase checking account. 

I have communicated with both Chase and XXXX over the past few months. Both banks believe it is the other 's responsibility to refund the {$500.00} to me. XXXX also believes the funds may be stuck at an intermediary bank. 

I would just like to get my {$500.00} back since it was never deposited into the XXXX account, which is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is unauthorized inquiry and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiry listed is unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with XXXX that have all been reported as late. Communication with XXXX has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged JPMCB CARD which was an account that was never approved of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and does not belong to me. This company has falsely reported to my credit report and has resulted in loss of income due to missed business. Tried contacting but number and address listed is not a valid contact. This reporting needs to be immediately removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request an investigation into the procedures employed by the credit reporting agenciesExperian, Equifax, and TransUnionregarding the accuracy of my credit inquiries and personal information on file.

Under the Fair Credit Reporting Act ( FCRA ), I believe it is imperative that credit reporting agencies maintain accurate and up-to-date records. I have identified discrepancies within my credit reports that require rectification. Specifically, I request the removal of all credit inquiries that do not accurately reflect my name as it is presented on my official identification : XXXX, XXXX XXXX Any variations of my name that do not correspond with this format are inaccurate and should be considered false. 

Furthermore, I insist on the removal of all addresses associated with my credit profile except for my current, sole address : XXXX XXXX XXXX, XXXX, PA XXXX. This has been my official address since XX/XX/XXXX, and any other addresses listed are incorrect. 

Additionally, I kindly request a detailed account of the investigative procedures and criteria used by the credit reporting agencies to determine the accuracy of the information they maintain. It is crucial for consumers to understand how these processes operate, especially when it affects our financial reputation and creditworthiness. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in ensuring the accuracy of my credit reporting. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am tired of being harrassed and stressed by this company. A few months back, their agent XXXX XXXX was calling me from different phone numbers and harassing my relatives and stalking my social media. Now their agent XXXX, is having people come to my home in plain, unmarked cars, placing notices on my door. These notices have WAY too much information where any random person can walk up, read it and figure out my personal/ private business. He called last month to harass me after I made a payment and said they were going to pick my car up for {$5.00}. He keeps calling even when I've notified them of when the payment would be made. He said today that he has left several messages, which is simply not true. He made phone calls and hung up withOUT leaving a message. 

I have asked this company several times, by phone and by email, to refrain from having their excessively aggressive agent, 'XXXX ', contact me, but they still keep allowing him to. 

I have had this car/ loan for over three years now which appears to be a long time for anyone to have a car with this company. I've put several XXXX dollars toward the loan as well as the mountain of repairs. I do not plan to loose the car.
Product: Credit reporting or other personal consumer reports

There are two hard inquires that I do not recognize on my credit report. 

XXXXXXXX XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX - inquired on XX/XX/XXXX, will be on record until XX/XX/XXXX XXXX