23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Consulting Services sent me a notice of Outstanding Obligation as it relates to XXXX XXXX XXXX XXXX and requested that I contact and deal with the company directly. I have enclosed a copy of the letter for you for your review. I received the letter on XXXX XXXX and respond back to CCS with a certified letter on XXXX XXXX. I advised them ( CCS ) of the payment that was made to XXXX XXXX XXXX XXXX and that I had also put in a call to the XXXX XXXX ( one of the partners of the company ) because when I connected with him by email I had advised him that I had already had my taxes prepared. I was told the process would only take XXXX weeks but XXXX weeks turned into 4 months. Anyway, CCS sent me another notice on XXXX XXXX which could have been crossed in the mail, but I still sent them another certified letter which they received explaining the situation again. 

On XXXX XXXX, 2015 I received an alert on my credit report that I have a collection account on my credit from CCS. 

My concern is that CCS said they wanted me to deal with XXXX XXXX XXXX XXXX DIRECTLY, however they placed themselves on my credit alleging I owe them the debt!!! 

Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit.
Product: Debt collection

I entered into a service contract with XXXX wherein, XXXX agreed to provide me internet, telephone, and cable services. In return, I agreed to pay XXXX the agreed upon fee for aforesaid services rendered. XXXX has asserted that I owe arrears of {$590.00} for services rendered and has retained the services of McCarthy, Burgess and Wolff to collect the aforesaid arrears. I have disputed these arrears and in support thereof aver the following : 1. After my service contract with XXXX expired ; I formally and voluntarily terminated my XXXX internet, telephone, and cable service on XX/XX/XXXX ; telephonically, as well as, in person when I hand delivered XXXX 's XXXX Router, XXXX ( XXXX ) XXXX cable boxes, cords, and remote controls to my local XXXX at : XXXX XXXX, PA XXXX ; 2. The returned equipment is itemized as follows : 1 ) XXXX Router : XXXX : XXXX ; 2 ) XXXX Cable BOX : XXXX XXXX : XXXX XXXX : XXXX ; 3 ) XXXX Cable Box : XXXX XXXX ; 4 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 5 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 6 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; and, 7 ) XXXX Cable Box : XXXX : XXXX ; 3. XXXX services are prorated and billed one month in advance. I paid my final bill of {$250.00} on XX/XX/XXXX.During the year preceding my XXXX service termination ; I made XXXX payments between XX/XX/XXXX and XX/XX/XXXX totaling {$3400.00} ; 4. After my contract expiration, service termination, and recovering the aforesaid XXXX issued equipment ; I subsequently received email notices dated XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX seeking payments of {$450.00}, {$660.00} and {$450.00} respectively and threatening service suspension. I timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 5. I received a bill dated XX/XX/XXXX ; from XXXX advising that my account had been disconnected effective XXXX XXXX, XXXX ; and seeking payment of {$590.00} for services rendered between XX/XX/XXXX and XX/XX/XXXX. I once again, timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 6. XXXX continued to charge me for services that I did not receive and after I returned all the issued XXXX equipment and after I entered into a new internet, telephone, and cable service contract with XXXX on XXXX ; and, 7. Finally, I have credibly clarified the status of my former XXXX account and that I have attempted to notify XXXX as well as McCarthy, Burgess and Wolff of these erroneous records in good faith with no material or substantial response or resolution by XXXX or McCarthy, Burgess and Wolff in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap ... US DEPARTMENT OF EDU, CONTRACT CALLERS I ( ORIG CREDITOR : XXXX XXXX )
Product: Checking or savings account

today on XX/XX/XXXX i tried to log in into robinhood to link my bank account but received a error messege. i would like to connect my bank account to robin hood. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with Lane Bryant credit card. I ordered 2 items that were never picked up from the store, so I canceled them. I was still billed for them and expected to pay even after I explained the situation to the rep. So I paid what I was supposed to pay and took off the price of those 2 items. The next month, I was still charged for those items and also charged a late fee. I refused to pay it and now it has been several months later and my bill is now XXXX. No one at the company could rectify the situation or explain to me how and why I was still being charged fees for canceled items when my bill should have been at 0.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, Team, After pulling my credit report I have noticed you are reporting inaccurate information on the account XXXX this is a violation of the Fair credit reporting act. Due to inaccurate reporting you must delete this account immediately per the FCRA. Please remove all late payments or delete this account for the following inaccuracy. 

XXXXXXXX reports one 30 day late payment on XXXX XXXX, while transunion reports two 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. XXXX reports one 30 day late payment XX/XX/XXXX. These reporting are inconsistent and inaccurate. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested METHOD OF VALIDATION from Equifax, XXXX, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an e-Oscar system. 

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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to  determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Product: Credit reporting or other personal consumer reports

This credit card with XXXX XXXX was a secured credit card I closed this account and paid this account off and now your company XXXX XXXX is reporting this account as a charge-off which is false information that is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

Equifax please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within XXXX days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX Remove this account from my credit report due to it being over XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXX XXXX Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the Equifax data breach. XXXX Account XXXX : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Product: Credit card or prepaid card

My credit reporrt is showing Late XX/XX/XXXX and XX/XX/XXXX My accounts are on auto draft and I have never paid late and all payments come out of my accoynt every month as sheduled I was never notitified that my account was delinquent
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unautorized Reporting of Information, Accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account Numbers XXXX Account NumberXXXX Dear Sir/Madam, I am writing to dispute the accuracy and validity of the information reported by your agency in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I am formally challenging the inclusion of certain information on my credit report on the grounds of lack of written consent. 

Upon reviewing my credit report, I discovered that your agency has reported information without my explicit written consent. As per the FCRA, consumer reporting agencies are required to obtain written consent before furnishing or obtaining consumer credit information. To my knowledge, I have never provided such written consent to your agency. 

Furthermore, I have not authorized any entity to furnish my information to your agency, nor have I granted permission for your agency to obtain my consumer credit information from any source. Therefore, the presence of this information on my credit report is not only inaccurate but also violates my rights under the FCRA. 

In accordance with the FCRA, I hereby request that you investigate this matter and provide documentation demonstrating that you have obtained written consent to include the disputed information on my credit report. If you are unable to provide such documentation, I request that you promptly remove the unauthorized information from my credit report. 

Please be advised that failure to comply with the FCRA and rectify this matter within the prescribed time frame may result in legal action to enforce my rights under the law. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the disputed information once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls has written me 30 day onto my credit report. i have never missed a payment and set up auto pay, kohls has yet to fix this and said it was not there fault. I have never missed a payment and always have been on time.
Product: Debt collection

XXXX XXXX  account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. 
I have printed proof that the account is closed as Experian keeps verifying the {$16.00} as open and its closed with the next due date in XXXX!! Experian doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX ( XXXX  ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Product: Credit reporting or other personal consumer reports

I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the t process of having my credit reports locked and the subsequent companies that the feed into the credit reporting agencies such as, ARS, XXXX, XXXX. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XXXX RE XXXX XXXX XXXX XXXX Ca XXXX, MR Cooper loan number XXXX XXXX XXXX XXXX I wrote and spoke with Mr Cooper in XX/XX/XXXX telling them that a lien threatening the property had been served upon us from the XXXX XXXX XXXX for some XXXX that had not been cleared with the last refinance some 10 years prior. Despite this Mr Cooper did nothing. I reached out again on XX/XX/XXXX as the city has again contacted us and aid that this lien has not been paid and is growing and that they are way over due on calling the loan in. Mr Cooper acknowledge the same on 10-19 and promised a response by XXXX to me. I am not on the loan with XXXX, but hold title and further actually electronically make all the payments on this loan. I say this because they wrote, and will say, ( that because of " privacy issues '' they have not responded. Both XXXX and attorney XXXX XXXX is authorized and further, I am contacting them about title not payment and account issues that I already pay ). I have asked for their assistance and position on executing the title insurance policy that I paid for and provided them upon the last refinance of the home that would also place them NOT in a 3rd position, but in the first security position. Certainly, they should want this. They have continued to ignore me. I have noticed the XXXX XXXX dollar XX/XX/XXXX settlement as well as many others showing what I believe is XXXX " purposeful manufacturing of mortgage defaults on consumer loans and this is causing me great stress and harm with the constant threat of foreclosure. I feel very strongly that as a servicer, Mr Cooper as a servicer has an absolute responsibility to maintain an environment of clarity and safety to consumers and not try to again go back to the old days and hope and wait for us all to walk away from our homes out of frustration.. 

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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX , XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( XXXX, Transunion and XXXX ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX, NE XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX Account Name : XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX
Product: Debt collection

Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, XXXX and Transunion, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.