23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Enhanced Recovery has a collection for XXXX that belongs to my mother ( we have the same first name ). I have disputed it on my credit report and it remains..I have contacted Enhanced directly and they simply sent me a detail of payment due ( attached ). I want them to contact the credit bureaus and remove this. This is a violation of Federal Law. Her name is XXXX. My MIDDLE NAME is XXXX. We shared the same address. The account number is XXXX
Product: Debt collection

I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : JPMCB XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX XXXX  Mortgage XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2020, I paid in full the {$400.00} debt owed to XXXX XXXX, which was sent to collections.
Product: Checking or savings account

Re Fifth Third Savings & Checking Accounts : I used a XXXX coupon to open checking & savings accounts with Fifth Third Bank. The initial communication took place over the phone on XX/XX/2018, providing the " offer code '' from the XXXX  coupon. The XXXX  coupon ( attached ) offered {$250.00} for opening a savings and {$250.00} for opening a checking, with specific terms. I completed the paperwork, sent the funds on XX/XX/2018, account was opened XX/XX/2018. On XX/XX/2018, I visited the branch at XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. I spoke with XXXX XXXX, Manager, to close my accounts. Mr. XXXX processed the request with a cashier 's check for {$15000.00} : {$15000.00} initial deposit into savings ; {$250.00} initial deposit into checking, and {$250.00} to fulfill 1/2 of the XXXX XXXX offer. This was {$250.00} short based on the offer " get {$250.00} when you open a Fifth Third checking account '' plus " get another {$250.00} when you open a Relationship Savings Account. '' I unequivocally met offer qualifications but Mr. XXXX could not explain or resolve the deficiet. He stated the " paper '' received when the account was opened was required. I asked him if there were other " screens '' to view to validate my offer. He said " no, there is just one offer code stating {$250.00}. '' On XX/XX/2018, I provided the " paper '' and coupson. Mr. XXXX stated he had to process my issue through the disputes channel. XX/XX/2018, Mr. XXXX informed me the issue was resolved but required a Regional Manager sign-off. I later received an email stating the funds were approved for deposit into the account. 

On XX/XX/2018, I went to the branch. I received the {$250.00} and closed the accounts. 

My concern is there is an internal, purposeful process to reduce the liability owed to customers. The {$250.00} deposit for opening the savings should have been deposited after the deposit of {$15000.00} was maintained for 90 days in additional to meeting terms specified for the checking account. This deposit did not occur even though all conditions were met. Worse yet, Mr. XXXX had no means to validate I was owed the {$250.00} UNLESS I provided the paperwork ( attached ). I believe this is a form of theivery. The {$250.00} were my funds once I met the terms ; yet, the funds were refused unless I did the footwork to prove the funds were due. 

I submit this complaint so if this occurs to others who also submit complaints, the bank can be held accountable for not meeting it's obligation unless and until the member proves their standing. I should not have had to prove the funds were mine. If I had misplaced the paperwork, would the bank have refused to provide the {$250.00} that was officially my money after meeting the terms on the coupon? 

I hope you can hold this bank accountable if this is a recurring episode. I believe it's an intentional " mistake '' as many people would not have followed-up. The bank is then rewarded by their lack of sufficient documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.
Product: Vehicle loan or lease

" I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Debt collection

XXXX XXXX XXXX has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account.
Product: Debt collection

I am writing to file a formal complaint against Resurgent/LVNV Funding, a debt collection agency that is attempting to collect a debt from me without providing proper validation, despite multiple requests. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter immediately and take appropriate action against this company for their violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Account Information : Account Name : Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$61000.00} ( as of XX/XX/XXXX ) Status : Collection Account Original Balance : {$56000.00} Terms : 1 Month On Record Until : XX/XX/XXXX Account Name : Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} ( as of XX/XX/XXXX ) Status : Collection Account Terms : 1 Month On Record Until : XX/XX/XXXX Account Name : Resurgent/LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} ( as of XX/XX/XXXX ) Status : Collection Account Original Balance : {$1600.00} Terms : 1 Month On Record Until : XX/XX/XXXX Grounds for Complaint : Failure to Provide Debt Validation : I have made multiple attempts to request validation of the above debts and yet have not received the proper documentation to substantiate these claims. According to the Fair Debt Collection Practices Act ( FDCPA ), under Section 809, I have the right to request verification of the debt. Resurgent/LVNV Funding has not provided me with the original signed contract, nor have they proven that I am legally obligated to repay the debt they are attempting to collect.

No Authorization or Consent to Share My Personal Information : I also wish to make it clear that I never provided Resurgent/LVNV Funding consent to use or share my personal information. This includes but is not limited to the disclosure of my financial records to any third party. Their actions may be a violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) and other applicable consumer protection laws.

Failure to Provide Proof of Licensing in Alabama : Resurgent/LVNV Funding has not provided proof that they are licensed to collect debts in the state of Alabama. According to the Alabama State Law governing debt collection, debt collectors must hold proper licensing to legally engage in collection activities within the state. This failure to provide such evidence further demonstrates that the company may not be operating lawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX ; after attempting to get a car loan I found out that Experian had merged my information with a another similarly named individual and had taken his credit information and merged it with mine. His information was the sole reason why I was unable to get the loan. After a few days I was able to resolve the merge but the subsequent hard credit pulls has damaged my credit in such a way that I would not be able to get the loan. Experian would not cooperate in helping me resolve this situation.
Product: Credit card or prepaid card

Made payment of {$100.00} and my payment is not reflected in the current balance on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.
Product: Mortgage

In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.
Product: Debt collection

I want to report this debt syncs/Lowes account number XXXXI tried to contact them but they dont have my account, ,I never own this account.I wanted them to verify my account which they said on my report is verified, but I never received any mail or verification, Then I received unknown company agreement, which I never spoke or agreed to, ,I even tried to contact this collective agency company to verify my ownership, .They dont answer .I tried to call, and company dont recongnize my file number or social security number, Something is very wrong here, ,Please investigate .I will attach what I received,,, and again letter said we spoke in XXXX, I never spoke to them, Please remove this account from my fil
Product: Mortgage

well I fell behind with my mortage company due to my wife having XXXX sugery andwhile in surgery she had a XXXX and has n't been working for some time approx. 3 years and have applied for a modification mortage company I was behind and the XXXX which gave me a loan for the moneythey paid get me current which I pay them XXXX a month I was doing well and due to decrease in hours I fell into a problem and was tring to work out an modification with green tree and they are changing my loan from XXXX percent to XXXX interest and my mortgage is goingup instead of it going down and they taking me from 24 years to a 40 year mortgageand I ask the gentlemen XXXX at green tree why he stated I already had an hamp loan in which I thought with and hamp loan the percent would only go up about XXXX % after XXXX years I been sent paper work to green trre and they been strong arming me to sign the documents they sent to me by XXXX/XXXX/15 cause that 's the best they can do for me I have sent the paper work to the attorney general office in XXXX to look into this matter further due to them being rude and telling that I have to take this deal or they going to take my home I have all the paper work and there bussines practices really need to be look at with the threats from there customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information : Experian reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX. XXXX XXXX XXXX  : XXXX shows XXXX while Experian and XXXX show XXXX Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all XXXX, XXXX, and Experian Information XXXX XXXX XXXX XXXX Experian not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX XXXXXXXX Date opened, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX not reporting correctly. 
Please update XXXX XXXX XXXX and Experian XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXXXXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX  XXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX  XXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX. {$110.00} XXXX. {$520.00} XXXX. {$520.00} XXXX. {$1400.00} Im disputing the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of the original contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. XXXX XXXX XXXX are illegally attempting to collect the above-listed alleged debts and money that I do not owe.

Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Ive requested an investigation to see if all the information of these alleged debt accounts are accurate 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

My rights have been violated and several consumer laws have been violated.

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Student loan

I had student loan from discover student loans from XXXX. After graduation in XXXX, I started paying my student loans promptly. The way payments are taken is not right. some months entire payment goes towards the interest. some months little portion goes towards the principal. When called and asked the customer care, they stated its the computer system tackles. they have no control. my concern was payments have to be approximately consistent every month. When is submiited my tax returns, my XXXX  stated I'm paying more interest in student loans than what my interest rate was. He suggested to contact the student loan company. I called them again, this time, they had no answer. They couldn't answer me properly. I refinanced my student loan in the mid of XXXX to another lender. I could see big difference how my payments were allocated every month. I didn't know how to raise this concern of being treated unfair towards the student loan payments. Please kindly approve this concern and raise this issue so many students would be saved from wrongly charged student loan payments by DISCOVER
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, due to the personal information inquiry breach issue with Trans Union. The customers service representative didnt want to take care of my complaint of not been notified about the breach and issues. That issue was definitely disregard. My issue was ignored and I was treated like an unappreciated customer. 
The inquiries that were ignored. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX SCREENING PR XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX