23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX -- XXXX I received a letter From Professional Credit Service Regarding aXXXX XXXX XXXX  XXXX a violation for a XXXX license for a XXXX that XXXX away almost XXXX years ago. I sent a certified letter for them tp provide XXXX XXXX XXXX XXXX name and address of original creditors Documentation showing that they have verified that I am responsible for this dept, or a copy of any judgement. 

Documentation that they are licensed to collect debts in WA XXXX. 

I notified them that I was in the XXXX day window and that I was disputing dept and to stop all further collection attempts until they provided requested information. 

They received my certified letter on XX/XX/2019 and I have signature for the certified letter. 

They continue to call which I can provide phone records and they sent another collection notice on XXXX, XXXX XXXX. 
They have not provided any of the information that was asked for in my certified letter which they received on XX/XX/2019. Following the guide line provided by the federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in XXXX and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's Experian but remains on my file. Please remove. 

Also XXXX XXXX XXXX hollow is now removed on my XXXX and XXXX because it was included in my XXXX bankruptcy in addition I have not owned timeshare since XXXX. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy twice that is reported in my credit file and asked for the information to be verified. I provided proof to TransUnion that the method used to allegedly verify the item was invalid. TransUnion states bankruptcy information was obtained from XXXX. My XXXX report IS NOT reporting a bankruptcy ; therefore, TransUnion is in violation of the FCRA 623 ( a ) ( 5 ) validating information from the original creditor. Considering the information indicates a CLEAR FCRA violation, I need all bankruptcy information currently showing under my social security number be PERMANENTLY DELETED from my credit report immediately. Attached is the 2 most recent investigation results from TransUnion and the page from my XXXX XXXX report that shows no bankruptcy reporting, My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. The TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the TRANSUNION Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

Halsted Financial Services falsely took out money out my account without me agreeing to it. I was suppose to pay XXXX to these people every two weeks was never told about a XXXX processing fee so they took it upon themselves to take XXXX out of my account and XXXX. I am not paying these people more than I agreed to. Then they send receipts saying they took out XXXX and not the real amount they took out. I am reporting them to my bank for fraud.
Product: Debt collection

physical verification of the original signed consumer contract and the contract it self bearing the signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified Amerihome of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau XXXX  was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified Amerihome multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to Amerihome that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of Amerihome 's incorrect reporting and refusal to fix their error.
Product: Debt collection

As per Section 609, I am entitled to see the source of the information, which is the orignal contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit card or prepaid card

Fortiva sent me a credit card. XXXX days ago. The card has never been used and is inactive. A jealous employee who is jealous for no reason put a suspension on the card XXXX days ago for no reason. XXXX XXXX employees have been bullying my account there intentionally. There are no recent reports made on my behalf on my account. They did this without reason. First they blocked me from making payments. Then they blocked me from using the card after it arrived. I can not keep begging to use my card.The are not being reasonable.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and rights as a consumer.
Product: Credit card

Capital one says I owe them {$3000.00} for a credit card I did not activate. I reached out to them and requested the original credit card application as well as how exactly the credit card was activated. They refuse to give me this information because I did not have the account number one of them did say that the card was activated via a phone link to a phone number that was not mine. But they refuse to give me any other information. I tried to dispute the issue over the phone and they instead e-mailed me a list of transactions that I did not make. Including airline tickets that aren't even under my name or ever used by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... .A late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of XXXX  granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an aged XXXX  account listed that should be removed, due to the statue of limitation. I am asking that it be removed due to it being 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESED VALIDATION. ALSO CONYACTED NELNET ABOUT 15 USC 1681b ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' as well as 15 USC 1681b ( a ) ( 2 ) not having permissible purpose nor written instruction. This is a defamation of my character, and hindering me from living as an equal consumer of these United States
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my XXXX  credit report as proof of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Dear CFPB, I am writing this letter to you to file a formal complaint against an entities named ( The Receivable Management Service Corporation ). Sometime in XX/XX/XXXX, I purchased a nonowner liability insurance from XXXX XXXX XXXX company. During my initial first six month contract it was {$580.00} total premium. I did this because I do n't have an automobile, but often rent a car ; the reason was to avoid those rented car exorbitant insurance rate. I also renewed my policy several times until XX/XX/XXXX; I decided to abruptly end it when they continue to hike the price without any reason. I have never filed any claim against my policy. I still remembered when I had a flat tire and called XXXX, but no one ever shows up. Also in XX/XX/XXXX, someone hit my rented car while was parked at XXXX parking lot. I called XXXX, but nothing was done. So I have to do the repair myself, and there was no reimbursement at all. I have three months left on my current policy at the time. A renewal notice was sent to me with an increase in premium. It was then I was upset, and without warning, I instructed my bank to decline any further ETF from XXXX which they did. I have not rented any car under which XXXX policy was used. Unfortunately, I received several notices from XXXX that I owe {$230.00}. I have called them several times to stop calling me. Even after I warned them, they have sent my name to a collection agency. I have numerous occasion told them that I do n't owe them any money, but they insist that I owe them. Please help me here ; My insurance policy was a promise against a nonowner, not against real vehicle. That promise ended whenever I decided not to drive anymore or rented a car. I used XXXX and public transportation, so there is no need for such policy. Now my name have been forward to The Receivable Management Service Corporation a collection agency. Please assist me in this matter. Look forward to hearing from you. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

My mortgage servicer, SN Servicing Corporation, specifically its employee, XXXX XXXX, has intentionally and purposely obstructed and delayed my application for hardship relief due to COVID-19. On XX/XX/2021, I submitted a hardship application via email advising my mortgage servicer, SN Servicing Corporation, that I was temporarily unable to make my payments due to a delay in starting a new job. The submission was sent to asset manager, XXXX XXXX, who responded to me on XX/XX/2021 advising that the company would defer my XXXX  mortgage payment and requesting that I set up a payment plan for XXXX. On XX/XX/2021, I sent an email to XXXX XXXX asking for relief through XXXX. XXXX XXXX responded to my email on XX/XX/2021, stating that " the investor is not offering to defer nor forbear any payments, which is why neither is being offered. '' This statement was a complete contradiction to the XX/XX/2021 email, in which I was advised that the XXXX  payment would be deferred. On XX/XX/2021, I sent a reply to XXXX XXXX expressing my confusion and concern from this contradiction. On the same day, XXXX XXXX, an employee of SN Servicing Corporation, whom I've never met and only learned of upon submission of my hardship application, sent an email personally attacking me and completely failing to address the discrepancy of her statements or the issue overall. Due to XXXX XXXX failure to address the issue at hand, I remained unclear of whether I would be receiving a deferral or if the offer was rescinded. The same day, I sent an email re-explaining my confusion and asking for clarification, also informing XXXX XXXX that her email was out of line and unprofessional. Again, XXXX XXXX replied in an unprofessional manner, continuing to make my request a personal matter, making personal attacks and failing to give me clarity. She, again, failed to address the reason why I contacted her which was to seek relief until I began earning an income again. 

In my final email to XXXX XXXX on XX/XX/2021, I reiterated my point of confusion, pointing to the clear discrepancies of her statements. At this point, I realized that I would not be receiving clarity or a resolution as XXXX XXXX purposely sought to confuse and obstruct my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to XXXX XXXX asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with XXXX XXXXXXXX stating that you believe there is fraudulent activity on your XXXX  XXXX account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! XXXX XXXX refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. XXXX is there isn't because someone else clearly used this card and XXXX XXXX REFUSES to do anything about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit and found an account that I had no prior knowledge of.