23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2017, I was injured at my place of employment. As protocol advises, XXXX was contacted and I was advised to go to XXXX XXXX XXXX XXXX for medical treatment. 

In late XXXX, I logged onto XXXX XXXX and noticed a negative item on my credit score. The item was a debt collection from AWA Collections in regards to my workers compensation care at XXXX XXXX XXXX care on XX/XX/2017. 

As this is workmans compensation case, this debt does not belong to me.
Product: Mortgage

6 years ago unfortunately went to bankruptcy chapter XXXX i did include my property on this process we came to an agreement to the loan company and court house at that time was XXXX XXXX XXXX that my property secure value was XXXX and it was the amount bank requires in order to void the lien of my property this amount was requested by the court house and executed by XXXX XXXX XXXX appraisal, i spend since XX/XX/XXXX making payment to satisfied the requested amount, my chapter XXXX bankrupt was successfully completed XX/XX/XXXX it was fully administered by my trustee and the case was close successfully i did call the bank in order to ask for my release of mortgage letter but was impossible to receive an answer after many calls and a lot of waiting time the the only answer was getting is " we will research '' after few months with no communication with the bank i was surprise that the loan company transfers all rights to specialized loan servicing llc another different company, i did call this new company to request my release of mortgage letter, but still give me the same answer, threatening me to send my house to foreclosure i did forward my court documents but seems no effect of them
Product: Money transfer, virtual currency, or money service

Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. 

My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!
Product: Debt collection

On XX/XX/ I wrote to I.Q. Data International Inc. requesting an authenticated record of accounting. I specifically said I was not asking for a statement of account, rather an authorized record of all accounting and bookkeeping entries pertaining to the account. In this letter I requested to be provided with an agreement with their client that grants them the authority to collect on the alleged debt, an agreement that bears the signature of alleged debtor where in he/she agreed to pay the creditor, any insurance claims that have been made by any creditor regarding this account, and judgements obtained by the creditor in relation to the account, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to the collector, complete accounting of alleged debt and commission for debt collector if collection efforts are successful. I requested that they furnish this information within 15 days as it is readily available to them and they did not send any response. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt and this letter was delivered and signed for on XXXX XXXX XXXX 

Since I.Q. Data International Inc. did not respond in any way whatsoever, I sent a second letter on XX/XX/ via certified mail. In this letter I notified them that they did not get back to me and validate the debt and that according to the Fair Debt Collection Practices Act I have the right to claim a validation of the debt and they are obligated to provide me with the relevant documentation. They received my original letter on XX/XX/ and never responded yet the credit bureaus have responded back to me that the debt is " verified '' although they too never sent me any documentation whatsoever. 

I let them know that they are now in violation of the FDCPA and subject to a fine of {$1000.00}. And that I would continue with the suit if they did not respond within 15 days. I informed them that I would also be submitting a complaint with the FTC. This letter was sent via certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX with return receipt requested. This letter was delivered and signed for by I.Q. Data International Inc. on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

A dispute and cancellation request due to faulty installation provided by XXXX ; XXXX ; XXXX ( " XXXX '' ), arose within 3-days of installation. After failed attempts by XXXX to rectify the installation issues, XXXX representative retained approval and agreed to credit the account in full and the account was then presumed closed. All items ( i.e. receiver boxes, remote controls, etc ... ) were returned with the provided box within the specified time frame requested by XXXX.
Product: Debt collection

XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. 
is attempted to collect a debt that was covered by insurance at time of service. 
the debt is an error on XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry that is reflected on my credit report by XXXX XXXX to the credit bureaus as well as to the company itself. This entry reflects that I have a balance and a past due balance ; however, I have never engaged in any business transactions nor signed any contracts with this company. In my recent dispute sent to Midland inXX/XX/2018, I requested that they provide : An agreement that stated their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Midland failed to comply. I am requesting that this entry albeit not being validated be immediately removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


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

A letter was sent to Oliphant Financial LLC a/k/a Oliphant USA LLC, how it appears on my consumer report, regarding a collections account that was placed on my XXXX consumer report. This collection agency violated the FDCPA, they were not given consent by me, the consumer to furnish any information on my consumer report nor did they have expressed permission of a court of competent jurisdiction to communicate with me in connection to the collection of an alleged debt. This third party debt collector is currently abusing my reputation by placing and continuing to communicate this alleged debt on my consumer report and damaging my reputation. I requested on XX/XX/2024 that Oliphant USA LLC cease & desist all communication on all mediums, which includes reporting on my XXXX consumer report. 
They have not responded nor have they removed the account from my consumer report. 
The FDCPA states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. '' The FDCPA also states '' If such notice from the consumer is made by mail, notification shall be complete upon receipt. '' This written letter was received by Oliphant on XX/XX/2024. It has been 30 days and they have not removed this account from my consumer report. 
As of XX/XX/2024, Oliphant USA LLC is still reporting on my consumer report. I have attached the letter that was sent with the certified mail return receipt. 

I have proven that Oliphant USA LLC has failed to comply with the above stated provisions under the FDCPA, I am requesting that Oliphant USA LLC be held civilly liable for damages in the amount of {$1000.00}
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX | XX/XX/2022 : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING THIS MATTER.
Product: Mortgage

My escrow is short money. I tried repeatedly to get a statement about all monies paid into and out of my escrow account to no avail. They responded only by saying they need more time. Its been weeks now. I will call the CFPB # on Monday to talk to someone at that agency. 
If I get no help from you my next steps are the Attorney General, XXXX XXXX XXXX. XXXX XXXX, who owns the loan, and a private attorney. They are stealing money and mismanaging my account. 
Start calculating from the day you took over, XX/XX/2021. My escrow balance on XX/XX/2021 was {$2700.00} + XXXX XXXX + XXXX XXXX ( XXXX ) XXXX. 
Minus 6 mo XXXX, ( XXXX ), and XXXX taxes ( XXXX ) = XXXX THIS IS MY CURRENT ESCROW Account ending with XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have a contract with CONSUMER ADJUSTMENT CO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}
Product: Credit reporting

In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT CHILD SUPPORT XXXXBalance {$11000.00} XXXXBalance {$22000.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX SSN XXXX DOB XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information appearing on my Experian credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my Experian credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX # XXXX - BANK OF XXXX XXXX XXXX XXXX BANK OF XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX - XXXX  # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX confirming the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA may result in further action, including the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities.

I request written confirmation that these accounts have been removed from my Experian credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you may contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a Home Mortgage with Washington Mutual. Later on it was taken over by Chase.Due to severe financial hardships and my bad health condition, as also that of my wife, I had stopped payment from XXXX XXXX. At that time my Unpaid Balance was {$400000.00} and my monthly Mortgage Payment was {$3100.00}. I applied for a HAMP Loan Modification and made XXXX TPPs of {$2200.00} ( Total {$35000.00} ) each but the Modification was rejected. Again I reapplied and made XXXX TPPs of {$1900.00} each ( Total = {$7600.00} ). Thankfully after XXXX TPPs, I got a permanent Modification in XXXX XXXX. If I add up the XXXX unpaid installments of {$3100.00} ( Total {$110000.00} ) to the UPB of {$400000.00} and deduct the XXXX TPPs ( {$42000.00} ), the Balance comes to $ XXXX.However, in the Modification Agreement, they are showing a Balance of {$490000.00}, which is {$18000.00} more. The Legal Charges, if any, would not be $ XXXX. My feeling is they have not applied all my TPPs to the Loan Balance or there is some serious mistake somewhere. I am attaching all the said documents for your perusal.
Product: Debt collection

There is a collection on my credit that does n't belong to me How do I dispute/ prove that it 's not mine?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear Experian, I have the following information on my credit report that doesn't have permissable purpose according to teh FCRA Fair Credit Reporting Act. Anything furnished on my credit report must have permissable purpose according to 15 USC 1681 B. Here are the following hard inquirires : XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX,2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXXXXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX  XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XX/XX/XXXX. 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX XXXX XXXX,2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 2022
Product: Debt collection

comenity bank state to XXXX on complaint ID # XXXX on XXXX responded didn't agree to delete the account by comenity bank/XXXX {$330.00} XXXX XXXX XXXXwhen comenity bank stated to the c.f.p.b.complaint ID # XXXX on XX/XX/22, Non-monetary relief of the accounts of comenity bank XXXX account ending # XXXX plus XXXX and comenity bankXXXX accounts ending # XXXX plus XXXX those are federal forgiven debts and both comenity bank and XXXX have over looked the I.R.S. and the federal trade commission rules on reporting reporting federal forgiven debts, the letter that comenity bank sent to me to up date the accounts above and the statement stated to the c.f.p.b. is sent by certified mail.to c.f.p.b.
Product: Debt collection

I checked my credit report on  XXXX   XXXX ,    2017 & saw  a new account from  Diversified Consultants  was added. I was not sent anything in the mail stating that this would be added to my report. I did not have a chance to dispute this debt. This has caused my FICO score to decrease.
Product: Mortgage

We have been contacting the mortgage company for more than six months for a copy of our insurance declaration page or information about the property insurance that was placed by them the lender. We can not get any information about our lender placed insurance policy. We have called over 10 times I have sent emails. I even received a letter from them stating they will provide the information within 30 days like required by law. That letter from them was dated XX/XX/2022 and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian have claimed that XXXX XXXX XXXX has provided them with accurate information with regards to their reporting. XXXX, however, came to a different resolution. 

Im asking XXXX and Experian to provide a copy of what evert statements they have provided to infer such resolutions. I've attached XXXX reporting on the matter. This is a third time ive address both companies.
Product: Consumer Loan

Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.
Product: Credit reporting

Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the XXXX on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter requesting a copy of my credit report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect amount being reported to credit bureaus for vehicle loan repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1900.00}