23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Per OCGA XXXX it has been over 6 years from the date of the last payment and the statue of limitations has expired. Cease and Desist from all collection attempts and cancel the scheduled illegal foreclosure sale of XX/XX/2019 In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( Georgia ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; you can not add interest or fees except those allowed by the original contract or state law. 
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence to ensure my rights are protected. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 
Per FDCPA law I also request the name of the original creditor and copies of all assignments pertaining to my mortgage. Per FDCPA law the foreclosure proceedings must be suspended until a full response is made in writing and validation of debt and in addition the name of the original creditor in writing, THE FORECLOSURE MUST BE SET ASIDE UNTIL PROPER RESPONSE CAN BE MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...
Product: Credit card or prepaid card

Reviewed my credit report last month and is showing Wells Fargo as reported balance of {$1400.00} with all National Credit Bureaus. I have made several attempts for validation of this alleged account. Til date I have not received any validation of this account.
Product: Debt collection

portfolio recovery bx XXXX XXXX, va. XXXX refuses to send statements and payment verification. I have ask for payment documents. they say thy do not send any forms to send in money orders.
Product: Credit card or prepaid card

BANK OF AMERICA IS CHARGING MY ACCOUNT TWICE FOR LATE FEES AND INTEREST. I AM TRYING TO DO A DEBT SETTLEMENT. I AM 6 MONTHS PAST DUE. I HAVE NOT MADE A PAYMENT SINCE XX/XX/2021. HOWEVER THEY HAVE IT BEING 2 MONTHS PAST DUE. DOUBLE CHARGING ME FOR INTEREST LATE FEES, THEY ARE TELLING ME THAT THERE IS NOTHING THEY CAN DO TILL IT'S SIX MONTHS PAST DUE. THIS IS A CLEAR VIOLATION OF FDCPA. I WILL GET A LAWYER. I HAVE BEEN TRYINGTO CALL XXXX XXXX AT XXXX FOR BANK OF AMERICA. HE WILL NOT CALL ME BACK. I AM TYRING TO DO A DEBT SETTLEMENT
Product: Credit reporting or other personal consumer reports

I mailed experian evidence for my disputes to against XXXX XXXX and one against XXXX XXXX, XXXX, and one against debt collection XXXX XXXX XXXX XXXX I mailed the evidence to experian and on XX/XX/2024 at XXXX XXXX  Experian employee named XXXX XXXX signed for the mail. 

I called 12 business days later and Experian said they didnt add the evidence to my disputes and that they never recieved any evidence. 

I explained to them thay they signed for it and I request investigating and escalation and they refused and told me theres noone to speak with about it and to mail it to then again. 

I have also filed a dispute with experian against debt collector for XXXX  named XXXX XXXX XXXX XXXX. 

XXXX XXXX knowingly in possession of false debt then reported back to the credit bureau less than 24 hours after Experian sent then the complaint and they said that they are still going to try to collect on the illigal debt and they closed the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION IN MY CREDIT REPORT IS INACCURATE, OBSOLETE, INCORRECT, UNVERIFIED, UNPROVEN AND NON COMPLIANT!! THIS INVESTIGATION WELL OVER 30 DAY 'S NO UPDATES REMOVE ACCOUNTS!!
Product: Debt collection

My company, XXXX XXXX XXXX, XXXX received a business loan from XXXX, XXXX on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. XXXX, XXXX charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm Peroutka , Miller , Klima & Peters , P.A . located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX XXXX XXXX on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit card or prepaid card

I'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Capital One Bank for failing to contact two of the three credit burous as they agreed to do in a prvious CFPB complaint. In this previous CFPB complaint complaint number XXXX Capital One Bank agreed to contact XXXX, XXXX and XXXX to have unauthorized hard credit inquiris removed from my credit reports. As of XX/XX/2022 XXXX and XXXX has not recieved a request from Capital One Bank for the removal of these hard credit inquiries.
Product: Credit reporting or other personal consumer reports

Im called company self lender, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after XXXX XXXX XXXXXXXX put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company
Product: Checking or savings account

Someone tried to open a bank account in my name at Santander Bank Santander Bank called me to 'welcome me to my account ' on XXXX XX/XX/XXXX in the morning. I called back and reported it to Santander as I did not open an account. They had all my personal information, including the last four of my SSN. 

Gave me claim number of XXXX Santander was not very helpful to me- they said they " might '' call me back and did not provide evidence that they shut down or suspended the account. Very concrned that this was not escalated in a responsive way. Said it might take a week and to find I more I needed to go in person to a branch. I need help making sure this account is shut down and it is not opened in my name.
Product: Credit card

Dear Discover Bank, I am having trouble recognizing this account that is being reported on my credit report. I do not think it belongs to me and so I am asking for your company to validate this account information by providing me with the requested documentation. In the event that you are unable to do so, then you must cease all reporting of this account immediately.
Product: Mortgage

I received a partial claim and the amount of XXXX XXXX is not adding up they also mixed my file up with another client also they have been reporting me late even tho I am in the haf program
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on debt buyer Midland Credit Management and there inaccurate and inconsistent reporting with the three consumer reporting agencies XXXX XXXX and XXXX. I've sent letters in to all 3 bureaus on two occasions. my first letter dated XX/XX/XXXX I asked to ensure all information was reporting accurately. my second letter dated XX/XX/XXXX XXXX it is now XX/XX/XXXX and I noticed that this agency is still reporting on my consumer report but with inaccurate and inconsistent information. 

one main violation this debt buyer is responsible for is that this debt buyer is reporting 3 different running of reporting periods manipulating the the statute of limitations on this account. XXXX estimated month and year this item will be removed is XX/XX/XXXX. XXXX  on record until reports XX/XX/XXXX and XXXX date of 1st deliquency date reports XX/XX/XXXX making the running of reporting time to be XXXX XXXX so according to midland credit management the LEGAL estimated time frame to remove this account from all 3 agencies are 3 different dates? this is suppose to be one account. its impossible to have 3 different running of reporting periods. this tells me that midland does not have the correct information in there possession and there furnishing whatever they feel like to the consumer reporting agencies. well that's not how the FDCPA works nor the FCRA. according to my actual XXXX  and XXXX reports this data furnisher has reported to both of them this month in XXXX. to my understanding once a data furnisher has modified information on a account then they must send carbon copies to all consumer repotting agencies on. a nationwide bases that maintains files under my name in order to notify them of the modifications to update there files in order to be in XXXX compliance that also falls under the FCRA regulations.. why is there incosistent information reporting. why does XXXX report a active payment history and a past due on this account? a collection account is not a tradeline. there was never no verbal or physical payment agreement or arrangement with this debt buyer and myself to prove that I owe them anything and I refuse to pay a debt that has not been properly validated. to my understanding a data furnisher is PROHIBITED to report INACCURATE information especially after they have knowledge of these errors being reported. as a matter a fact XXXX actually provided me results recently regarding to this debt buyer and they have updated information on XX/XX/XXXX so I know for a fact that this debt buyer is well knowledgeable of the inaccurate and inconsistent information reporting. I have also included more inconsistencies that this data furnisher is reporting to prove my claims in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony are currently reporting INCOME to the consumer reporting agencies ( XXXX Account XXXX XXXX ) on my consumer credit report. A 1099 C was issued, this account is INCOME and was filed on my taxes as INCOME. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- By reporting income to the consumer reporting agencies SYNCHRONY violates the LAW 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) Respect for the consumer 's right to privacy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In addition to violating the above LAW SYCHRONY also violated 623. Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in, inaccurate.
Product: Credit reporting or other personal consumer reports

My information was breached and solicited by the LockHart Morris and Montgomery on XX/XX/XXXX for {$940.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$140.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.
Product: Student loan

My loan servicer is MOHELA. 
My first loan payment after the COVID pause was supposed to be due on XX/XX/XXXX. I was enrolled in auto debit which decreased my interest rate. This was a weekend, so I expected a delay. When I checked my account, my loans had been placed in forbearance with no information about why they were placed in forbearance. Although my loans had been placed in forbearance, my payment was still withdrawn from my bank account on XX/XX/XXXX I then received a notification from MOHELA on XX/XX/XXXX that was back dated to XX/XX/XXXX stating that my loans had been placed in an administrative forbearance. I did not want my loans in forbearance as I am in an income based repayment plan with plans to qualify for public student loan forgiveness and the forbearance was adding interest to my loan and extending the period of time I would have to pay. It also made the payment that was withdrawn from my account on XX/XX/XXXX not count as a qualified payment. 
I called MOHELA multiple times that week. XX/XX/XXXX was a holiday so no one was available to talk. XX/XX/XXXX I was on hold for over an hour and had to go to work. I was finally able to reach someone on XX/XX/XXXX. I spoke with a service representative who confirmed that a payment had been received, my loans were in forbearance and because of this forbearance my payment would not count towards my PSLF payment. I asked for the forbearance to be removed and my payment to retroactively count and he filed a request and reassured me that this was possible and would be complete in about 10 business days. Of note, I also sent a message to MOHELA through their website on XX/XX/XXXX ( because I had been unable to get through via telephone ) that I did not want my loans to be in forbearance. 
I continued to watch my loans and they remained in forbearance. I sent a follow-up message on XX/XX/XXXX that stated I spoke with a customer service representative and said representative had requested my loan be taken out of forbearance. I provided the request ID that was given to me by the customer service representative. 
I called MOHELA back on XX/XX/XXXX and the person I spoke with was able to see my prior request and promised that my loans would be out of forbearance before my next payment due date ( which should have been XX/XX/XXXX ). They confirmed that I would be re-enrolled in auto debit and my payment would go through on XX/XX/XXXX. 
It is now XX/XX/XXXX. My loans are still in forbearance. No money was taken from my account. No one has responded to either of my messages on the online portal ( sent XXXX and XX/XX/XXXX ). MOHELA continues to have wait times that are prohibitive to resolving this issue.
Product: Credit card

upon looking at my credit card report i saw four different hits for this company Affirm INC that i never signed up for i called them and they said they could not trace the accounts and even said i seemed not to have them even though they are showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from AXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and Transunion for failing to properly investigate and validate a disputed XXXX XXXX collection account on my credit report. Despite multiple requests, the credit bureaus have continued to report this debt without verifying the accuracy or validity of the information provided by XXXX. 

**Background : ** XXXX. **Disputed Account Information : ** - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Amount : {$860.00} - Date Reported : XX/XX/XXXX XXXX. **Failure to Validate Debt : ** Since XXXX, I have repeatedly requested from XXXX XXXX a proper validation of the alleged debt. XXXX has only sent me random, non-itemized phone bills, which do not meet the legal requirements for debt validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested specific information that was never provided, such as : - A copy of the signed contract or agreement creating the debt. 
- A complete itemization of charges. 
- Proof that the debt is within the statute of limitations. 
- Documentation of any transfer or sale of the debt, including the name of the current owner. 

XXXX. **Disputes with XXXX Transunion and XXXX XXXX ** I have formally disputed this XXXX XXXX collection account with the credit bureaus multiple times, yet they continue to report the debt as verified without providing any evidence of its validity. Credit bureaus have not conducted a thorough investigation or requested sufficient documentation from XXXX. As a result, the inaccurate collection continues to damage my credit score.

4. **Inaccurate Credit Reporting : ** The credit bureaus refusal to properly investigate and verify the disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). Their failure to remove this inaccurate collection has caused significant damage to my credit profile and financial standing. 

XXXX. **Impact on Military Family : ** As a military spouse, I am particularly vulnerable to the financial consequences of incorrect credit reporting. This inaccurate reporting has caused undue stress and negatively impacted my familys financial well-being. 

**Relief Sought : ** - I request that all three credit bureaus remove the XXXX XXXX collection account from my credit report immediately. 
- I demand that the credit bureaus conduct a full and proper investigation, requiring XXXX to provide all legally required documentation to validate the debt. 
- I seek compensation for any damages incurred as a result of the credit bureaus failure to investigate my disputes properly. 
- I request that all debt collection and reporting activities cease until full validation has been provided.