23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have run y credit Report 2 month ago and I found out that a collection agency had report a debt from XXXX XXXX XXXX of the amount of {$37.00} which is complete wrong when I was at the hospital 2 and 1/2 years ago I was admitted as an emergency due to a medical condition while I was there the hospital new I did not have any Insurance and I did not have any Income Which they told me the were going to qualified me for emergency medical while I was there and the bill will be taken care. 
Then one year later I did get a phone call and letters of collection which sorry I did not recall at this time the name and there were told the same thing as above. and they had corrected and they even found my letter f hardship. 
Now I found out that a complete new agency took over the XXXX XXXX collection ( it seems ) that they are collecting from people debts which I was never notified I never give them any authorization to go thru my private information and as I see in there marketing information they get the debt and try to collect from clients as a new debt I will like this collection to be taken immediately out of my credit
Product: Debt collection

AT & T  Account XXXX, Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) Portforlio Recovery A XX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ]. 

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees. 

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.
Product: Debt collection

The property of Hunter Warfield in XXXX, Tx. 
I became ill unable to work.I went XXXX XXXX XXXX applied for help to pay rent. 
The Social Worker a young XXXX XXXX female Ms.XXXX  told me to wait about a week. 
I informed the Management Office they agreed to hold off filing the Eviction. 
After a week Ms. XXXX informed me that I was approved for XXXXShe told me that the stipulation was everyone who agreed to help had to have the donations in by Wednesday of that week.I informed her that the church has to have a meeting to get approval to proceed with the XXXX payment to help with the rent. 
Which would be by Friday or Monday. 
While we were waiting on the church to get the approval. 
Ms.XXXX  at XXXX XXXX XXXX decided not to help with rent.I begged her, the Management Office to allow me to get the rest of the funds from the church. 
They said no at the time we were one month behind plus late fees.I explained to the Judge my situation.I was working at XXXX .I began having health issues.They terminated me on XX/XX/XXXX.I was waiting to go to XXXX for my S S I hearing.After we threw our furniture on the curb in XX/XX/2018 .Being I'll and homeless they put in Texas State database that we owed them XXXX Then they sold it to the collections agency in Florida.I called to see if we could get the amount lowered? The head Supervisor said we had to pay at least XXXXl informed him that I only get XXXX a month.Even with 1.6 % raise in XXXX is only XXXX a month. if I had that kind of income we wouldn't have been Evicted .I would have paid them rent plus late fees.I had no control over my health issues.I feel that in situations such as mines they should not put it in the State database.We qualified for the government subsidy program for low income families.When I was honest and told them we had Eviction.She denied our lease it would have been a real blessing to pay XXXX a month for rent.We 're trying to get in a program where we can afford the rent.Not worry from monthly if we're going to be Evicted and Homeless again.Every where else they say you have to be making 3 times the rent.XXXX a month between my self and my Spouse .We 'll never be able to afford decent housing or affordable housing!
Product: Mortgage

I was notified over a month ago by Loancare ( my mortgage servicer ) regarding an escrow reimbursement check in the amount of {$1500.00} that I never received back in 2017. 

I've spoken to 3 different people at Loancare regarding this issue and I've been told that a new check has been requested, and 2 weeks ago I was promised a call back by a supervisor within 2 days and they'd overnight my reimbursement check. I've never received that call nor the check. 

I called Loancare once more last week and the woman I spoke to acknowledged the requested check, but lead me to understand that dragging their feet on issues of this sort is a common occurrence ( according to her ). I informed her that if I hadn't received the check within a week I'd file a complaint with the appropriate government agency. That's the intent of this communication.
Product: Mortgage

Where did you get the money for my loan. 

What company funded my loan Where did the investor money come from Who was the investor in my mortgage
Product: Credit card or prepaid card

On XX/XX/2019 I received a letter from CHASE stating We have closed your account because of the following reasons : TOO MANY REQUESTS FOR CREDIT OR REVIEWS OF CREDIT ACCOUNT NOT USED AS INTENDED. 
I called to get the account reopened since I have been with Chase for over a decade and this card has been an instrumental factor of my credit score since it  has been in good standing for so long. I explained to them that the requests I have made for credit is in line with my requests from over my decade of history with them and that the only thing I am doing new with my account is adding authorized users. My account allows for up to 99 authorized users. I've added some friends and family members to help them with their credit. When I added the users, Chase gave me the option to not issue a card, since I was only interested in having the users obtain the credit history. Therefore, no card was issued. 

On XX/XX/2019 I received a follow up letter from chase stating : Thank you for asking us to reopen your credit card account. We reviewed your credit information and decided not to reopen it because : TOO MANY REQUESTS FOR CREDIT OR REVIEWS OF CREDIT ACCOUNT NOT USED AS INTENDED Upon calling in to find out why, they gave the impression that FRAUD was happening on my account with one of the authorized users but refused to answer any question related to whatever fraud they were insinuating which concerned me that I could not get answers to those questions because I have a personal relationship with every authorized user on my account and if there was someone added that I was unaware of or someone called in to give false information as the account holder, they would not give me information about this " fraud ''. 

Upon speaking to the fraud department, they transferred me back to a senior specialist who informed me that my account would NOT be reopened because I am using it UNETHICALLY. She said that my adding authorized users means that I should be responsible for their purchases and since they do not have a card, I am falsifying my friend 's and family 's credit and we will need to deal with the repercussions. When asked about why Chase allows me to add up to 99 authorized users without a card, she said that it was a glitch in their system and me helping my friends improve their credit score to be able to purchase homes, cars, etc. at low interest rates with their improved credit history from being on my account is unethical and NOT ACCEPTED IN THE FINANCIAL INDUSTRY so they are closing my account and will NOT reopen it despite that it is detrimental to myself as well as my friends and family. 

I feel targeted and discriminated against for simply wanting to help my family and friends who come from low socioeconomic backgrounds, who has been denied over and over for credit. 

There is nothing illegal or unethical about me helping my friends and family. It is my feeling that it is unethical that they are allowed to close an account that is benefiting my friends and family who could be potential future customers of theirs when they finally have the credit to obtain credit cards, etc.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX  Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Product: Student loan

I submitted my completed and signed XXXX form over 3 months ago. I have yet to recieve any information about it being processed or received. I've called Mohela everyday for the past XXXX weeks. I can not get a person on the line. Yesterday I was on hold for XXXX minutes and then was hung up on before I can talk to anyone. I just want to know what I need to do before the XX/XX/XXXX deadline. Do I need to resubmit? Do I need to wait? Nobody will answer the phone. Absolutely horrible
Product: Debt collection

Date Assigned XX/XX/2018 Account Number open Portfolio Recovery Original Amount Owed {$1000.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Verification of Disputed Charge-Off Account To Whom It May Concern : I am writing to formally file a complaint against [ EXPERIAN ] for their blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I disputed a charge-off account reported on my credit file : [ XXXX XXXX ) on [ XX/XX/year> ], providing detailed information challenging the accuracy and legitimacy of this reporting. 

However, the credit reporting agency, without providing any meaningful investigation or legitimate evidence, has repeatedly " verified '' the disputed account as accurate. 

This " verification '' was neither reasonable nor in compliance with the statutory obligations imposed by 15 U.S.C. 1681i. Specifically, the credit reporting agency has failed to fulfill its duty to : * Conduct a reasonable reinvestigation of my dispute.

* Provide a description of the procedure used to determine the accuracy and completeness of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I have made multiple requests for the method of verification, yet I have not received any meaningful or substantive response. Their failure to provide this crucial information demonstrates either a lack of compliance with federal law or the inability to confirm the accuracy of the reported information.

This unlawful behavior has caused me significant financial harm, emotional distress, and unnecessary damage to my creditworthiness. I am demanding that the CFPB take swift and aggressive action to address the following issues : 1. Compel [ EXPERIAN ] to provide a full description of the method of verification used to " verify '' this account, as required by law. 
2. Ensure that [ EXPERIAN ] conducts a thorough and reasonable reinvestigation of my dispute.

3. Hold [ EXPERIAN ] accountable for their violations of the FCRA by imposing appropriate penalties.

4. Require the removal of the inaccurate charge-off account if verification can not be substantiated. 
The FCRA exists to protect consumers from negligent and reckless reporting practices, and [ EXPERIAN actions are in direct contradiction to this purpose. I trust that the CFPB will take this matter seriously and hold them accountable for their violations. 

Please confirm receipt of this complaint and inform me of the next steps in your investigation. I am prepared to provide additional documentation and records to support my claims. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am disputing Experians improper handling of my credit report dispute regarding inaccurate and unverifiable information. I submitted a dispute to Experian regarding several accounts that are inaccurate, incomplete, or unverified. 

Experian responded on XX/XX/year> stating that the information was verified, yet they have failed to provide any actual documentation proving the validity of the account. Specifically, I requested proof of a contract with my wet signature or any legal documentation showing that I agreed to the debt and repayment terms. To date, I have not received any such proof. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide supporting documentation when verifying disputed information. By failing to provide proper documentation and merely relying on unverifiable data from the furnisher, Experian has violated my rights under the FCRA. 

I request that this inaccurate and unverified information be removed from my credit report immediately. Additionally, I am requesting a full investigation into Experians failure to conduct a proper dispute resolution process in accordance with the law. 

Please take action to ensure my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone continues to fraudulently attempt to sign up for financial accounts using my details. XXXX and XXXX have been responsive. Transunion ignores my requests to fix or verify the situation. 

Adding insult to injury, they continue to harbor typographical errors to which I have requested deletion ( XXXX vs XXXX ), which continue to harm me by invalidating automated credit and identity checks. They also claim that very old addresses have been validated as current. In summary, Transunion is a piece of XXXX. They refused to accept any complaints from consumers, instead referring me to the financial institutions who pulled my credit. Kudos to XXXX and XXXX for actually responding to my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached As requested all documents have been provided please get this taken care of within 4 days as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/1997 Address last 2 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX