23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.
Product: Credit reporting or other personal consumer reports

this is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is 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 :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX, Texas, XXXX RE : Letter to remove inaccurate credit report information Dear Experian, There are several inaccuracies in the following accounts Account Name : XXXX XXXX XXXX Account Number : The account number is missing. 
Account XXXX XXXX  The monthly payment is missing. 

I am demanding that these items be removed as your company failed to do an initial investigation on these items. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) the banking system is dependent upon credit reports being fair and accurate. The banks can not function without my consumer reports being accurate nor can I extend my credit for essential things. This grave error has undermined my confidence in the public and I am not able to use my consumer credit. Pursuant to 15 U.S. Code 1681 ( b ) ( 2 ) I never gave your permission to furnish a consumer report on my behalf nor did I give you written consent with my wet ink signature. You are supposed to have my permission to furnish this report and I never gave consent for you or any other person to furnish information on my behalf. I demand that you provide to me the original contracts for the above said accounts and I also demand you provide me a contract including my wet ink signature which gave your permission to furnish this information on my report. If you can not provide such documentation these items shall be blocked and removed from my consumer report. If the failure of such items are not blocked and removed, failure of your willful noncompliance can result in a lawsuit. You are harming my reputation and defaming my character by reporting inaccurate information and causing mental anguish and injury as I have been denied credit. I am expecting to get a home in a few months and this inaccuracy is causing me to be denied by lenders because it is reporting negative. I also demand you provide me with a sworn affidavit showing proof that I granted you permission to furnish a consumer report on my behalf with the failure of such information the above accounts shall be removed.

If Experian fails to make any reasonable procedures to resolve this matter and compensate me for the use of inaccurate information and privacy violations. I will indeed make Experian criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also Follow up with an invoice for said violations ( { XXXX  } per violation. ) Thank you. 
XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Demand for Verification XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit with Proof of Identity Theft and Violations XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Money transfer, virtual currency, or money service

In the year XXXX, Cash App closed my account due to violating the Terms of my Customer Account Agreement but no explanation of where in the agreement I violated. Cash App given me the run around for months until I received an email on XX/XX/XXXX as I have a copy of the agreement and the email. They were not helpful and closed all my accounts down. I waited about every XXXX  months to make up a new one and it is still the same reason why I can not open a new one. I never violated the customer agreement at all. I requested assistance for them to go into detail and they never responded back until I received this email. I always had to contact online support. There is no XXXX number to call, and this is highly bad for business if someone wants to call to get more information or anything that applies to the requirement for customers rather speak to a live person than just a chatbot or chat advocate when you dont know if there is a live person on the other side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

they will not update my score please make them fix it : FCRA violations : see attachments for Major Violations continued by this company XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX XXXX breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. 

I reached out to them, and nothing was done. In accordance with Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished these accounts that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which made this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Debt collection

XX/XX/2024 DEBT RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation-XXXX Dear XXXX XXXX, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 
6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within XXXX  days, as required by law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have asked the collectors from Americollect Inc, numerous times to please cease with the constant harassing telephone calls. 

I am a decorated veteran that had a XXXX in 2019 and spent 5 days in the hospital. I went in the hospital with no medical insurance. Various doctors came to see me sent me bills. 

While in the hospital I applied for XXXX insurance and was accepted. Lately I have been receiving calls from Americollect for 5 different bills from these doctors. 

They will not or can not use my XXXX insurance to cover these bills. 

I'm on a poverty level income and now taking medication for my XXXX condition. 

These calls are contributing to my XXXX.This company is disrespectful and abusive with their incessant calling. 

I've asked for these bills to be removed by Americollect due to my circumstances. 

They need to sanctioned for their actions.
Product: Debt collection

My information was exposed in a data breach and I want debts removed from my credit report. I am writing to inform you that I recently received notification of a data breach which compromised my personal information, including my Social Security number and date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with Experian Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Product: Debt collection

I requested that Cavalry Portfolio Services provide proof of the debt owed or remove the debt from my credit report. The debt that doesn't belong to me on my credit report is {$1900.00}. They sent no proof and it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute this with the credit bureau, Equifax. However, their webaite continues to advise that I have my information wrong. I was only putting in my personal information. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hardship financial situation and death in the family at the time, it shows that I have late payment ( s ) for Capital One and Kohls. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Product: Debt collection

I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 4 accounts that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have done the FTC, I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following accounts that are reporting are : XXXX XXXX with a balance of {$210.00} and XXXX Collections with a balance {$200.00}, XXXX XXXX with a balance of {$160.00}, and XXXX XXXX XXXX XXXX with a balance of {$690.00}
Product: Debt collection

I do not owe a debt to this servicer and I do not know who this company is representing XXXX/XXXX  XXXX. Any money owed to XXXX XXXX has been paid to XXXX XXXX XXXX- # XXXX with payments paid since XX/XX/2019 as agreed and will be satisfied with last paid due on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 


Please remove it from my credit report. 
Oh by the way I hope you understand that the FCRA states in the section below 15 U.S. Code 1681c2 Block of information resulting from identity theft A ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.
Product: Credit card or prepaid card

On XX/XX/XXXX I received XXXX emails from XXXX the first was a " Paperless statement confirmation '' and the second was " Congratulations, you've been approved! ". Both of these emails were sent to XXXX while my actual email address is XXXX and indicated there was an account ending in XXXX opened for my nickname ( i would never open an account with this name ). The account was for an airlines rewards credit card through Barclay 's US. 

I did not click any links in the email but instead did a XXXX search for Barclay 's US bank and looked up their fraud reporting number. I called and tried to report this incident but they could find no record that an application had been made.
Product: Credit card

Please I need thes inquirys to be removed cuz it happen without my authorization and without my permission 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I have made is the past payments towards my principal. This is in addition to regular mortgage payments Each time Carrington Mortgage services pretends these at all regular payments and charges me as if I was making payments several months in advance. The last time I made a payment of {$4000.00} toward principal, this was five days after I had made a regular mortgage payment. This resulted in interest of {$400.00} plus {$600.00} in escrow. this amounts to an effective interest rate of about 30 % on a XXXX loan. I called them on it and escalated it before they reversed it and applied it towards my principal Today - XX/XX/XXXX they did it again! I paid my regular payment on the XX/XX/XXXX and made an extra payment of {$1000.00} on the first of XX/XX/XXXX. They reacted like I was making a payment for XX/XX/XXXX. The charged me {$95.00} interest for 1 Day! + escrow for next month - Due on XX/XX/XXXX.
Product: Debt collection

I am at work during the day and I have asked for western finance to call after XXXX XXXX  and they continue to call throughout the day leaving several voicemails and contacting my references ( daughter ) and giving out my personal information
Product: Mortgage

Customer : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX a Mailed in a payment in an amount to nearly pay the loan in full ( {$8200.00} ), knowing that there will be a small residual amount remaining. The loan is set up on auto pay, the intent that the next auto payment would pay the remaining balance in full. The check was received by BMO around XX/XX/2022. XXXX XX/XX/2022 a letter with a check was received in the mail, stating that the funds were being returns on account on not properly remitting via wire/certified funds. 

a call was made to BMO to discuss the reason why this check was returned and why the check sent wasn't accepted. The check was good with sufficient funds backing it, therefore it's unknown how and why the receiving bank has the authority to deny the transaction. The request or ask of the BMO representative was to be able to backdate said check to the date received in early XXXX. This request was denied again for failure to remit said funds by certified check or wire. I was also informed that when we pay it off, that the check received back was not acceptable to use. 

With this delay, the per diem is over $ XXXX resulting in additional financial harm. We feel we have made a valid effort to remit funds to pay the loan down with the intent of paying it off via the XX/XX/2022 AFT payment. All we ask is that the payment be backdated to the date received.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful examination of my credit report from both Experian and XXXX, I noticed several inaccuracies and notified Experian and XXXX. My original request to challenge the accuracy of information report on my credit report was mailed to Experian XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.
Product: Debt collection

Company has continued to report the paid and closed account incorrectly to the credit bureaus. Based on previous complaint through CFPB, Genesis Credit Management has expressed written confirmation all reporting for XXXX allegedly owed debts will be removed from all three credit bureaus. However, company has removed from XXXX and has not fulfilled obligation to remove from remaining XXXX credit bureaus knowing the debt is invalid.