23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear CREDIT CORP SOLUTIONS , I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ). It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature. 2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 3. Proof of proper reporting : Evidence that you are legally able to collect this debt. Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. Thank you for your attention to this serious issue.
Product: Debt collection

Jefferson Capital System filed a Derogatory Mark with XXXX, XXXX, etc on or about XX/XX/year> for {$160.00}. This debt is not mine. I am a XXXX, I am XXXX and my sole income is from SSD.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed entity from my credit report there using XXXX party operator to collect personal information.
Product: Money transfer, virtual currency, or money service

Someone mirrored my duplicate Ip address and transferred funds for over {$14000.00} with cash app.
Product: Mortgage

Contacted Quicken loans prior to XXXX XXXX, 2015. Received notice from them dated XXXX XXXX, 2015 that my application for a mortgage was " taken out of process '' on that date. I did not authorize the XXXX inquiries made by Quicken Loans on that date. XXXX XXXX XXXX has erroneously made this inquiries. What can be done to stop these nefarious inquiries, restore the points lost because of his fraudulent behavior?
Product: Credit reporting

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed.
Product: Mortgage

Over the last three months I have requested evidence of the debt that Pennymac claims I owe. I have ask for an accounting and for them to show me that they have any evidence that I owe them any debt. They have dishonored my demands for evidence to their claim and have made unfounded false accusations against my person. The false accusations they made against me are as follows : 1. " My request was overly broad and lacked specificity. '' 2. " PennyMac does not recognize your proposed process as legitimate. '' I have no idea what process they are referring to.

3. " PennyMac is rejecting your demands and/or offers in their entirety. '' I do not know what demands they are referring to.

4. " Some of the information requested is considered proprietary. '' Again, I do not know what information I have requested that is proprietary.

5. " PennyMac must respectfully decline the documents that you enclosed with your correspondence with the intent to fully satisfy and discharge this loan. Said documents will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and are not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above-referenced loan obligation. PennyMac will not accept or honor the documents. '' This appears to be a boilerplate response, as I have not sent any documents as payment after knowing there was XXXX consideration from PennyMac, and therefore, this contract was invalid from inception.

As you can see they have ignored and mischarterized every request to provide evidence the note was ever funded, if funded by what assets ( consideration ). This contract is in dispute. I have also notifitied the local sheriff and asked to discuss the matter with him via email, certified mail and through his deputy. He has not allowed me to meet and discuss this matter via teleconference or in person. Exactly fifty ( 50 ) days atfter requesting to meet with him and him ignoring my request, he served me a foreclosure notice via his deputy at my home.

Note : It was within one week of me sending a letter requesting information once I was aware of this debt not being valid that PennyMac referred this debt to foreclosure as evidenced by their letter dated XX/XX/year>2024. They have to this date NEVER provided any evidence to their claim. None. Instead they have provide vague accusations and boiler plate responses. I have over XXXX of XXXX  with correspondence and repeated claims that they will provide accounting. I will attach those letter as I am limited to file size.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax has a XXXX account that inst mine. Never in my life have I had a XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Information XXXX XXXXXXXX XXXX - Incorrect Personal Employers XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXXXXXX XXXX XXXXXXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I have received numerous emails from citi regarding payment on my citi diamond preferred credit card. The frustration becomes unbearable when these jerks at citi not only send email after email " reminding '' me of payment due but continue to send these when the payment for XXXX has not only been made but has been received by them. On Thursday XXXX XX/XX/XXXX, I submitted payment via electronic funds transfer through my XXXX XXXX checking account, ( of which I have the proof of payment in my possession at this time ). A payment of {$110.00} was submitted on XX/XX/XXXX and was received by citi on Friday XX/XX/XXXX, ( incidentally, the previous 4 payments have been made without incident this way ). I accessed my citi account this evening on line, and it shows no record of payment, only a message that my payment is due in 2 days!! The jerks at citi are nothing but thieves and liars, in addition they take pleasure in harrassing me even when I have made not only all past payment but the current payment that's due for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehical throught XXXX XXXX XX/XX/XXXX. The company was reporting all of my on time payments correctly until XX/XX/XXXX. I still have the vehicle and i still make my payments on time but for some unknown reason XXXX  XXXX turned over my account to a new financing company without my knowledge ( Westlake Profolio Management ). I've tried with no satisfaction to contact Westlake and also XXXX  to update and correct the deletion or missing information on my credit report. Because of this my credit scores have dropped drastically. XXXX, XXXX  and XXXX  have been alerted of this but all three claim there is nothing they can do. I've filed disputes and yet nothing has changed.
Product: Credit card or prepaid card

XX/XX/XXXX Dear Sir or Madam, CFPB Case # XXXX has been closed in error ; Discover Financial has not given any response to their tracking data to show the " Ship To Address '' to the goods from their statement. 

Additionally, I did not request any new card, new card # or SEPARATE ACCOUNT around XX/XX/XXXX or XX/XX/XXXX. Their XXXX  data for cards shipped out will show that or to where they send any cards. The account ending in XXXX was active in XXXX and ~ 15 yrs before that. It had another person on it about 3-5 yrs ago, but Discover objected and that person removed. Since then, the card ( ending XXXX ) has been used sparingly ; it is all in their records. Why would I need a separate card # after 15 years? The Fraud was not on XXXX, but on XXXX -- the charges were shifted over to XXXX. Card XXXX is NOT current as it was NOT activated ; I destroyed it. Discover Financial has now moved the charges to XXXX XXXX where it is now accumulating interest ( see XXXX ). 


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

I have an account reported from XXXXXXXX XXXX that doesn't belong to me. I contact the credit bureaus to remove the inaccurate account they reported that it was verified as mine but when I asked what was used to verify it was me. Still no response. I have fraud protection as I was a victim of fraud. When I contacted XXXX XXXX  they could only provide an old email that the account was connected with, XXXX. That account was hacked several times. They couldn't provide documents showing how the account was opened online. This is an old account that I just discovered on my credit file. I never received about the account. Plus there are several address reported on my file that I've never lived at. I provided the credit bureaus proof of my residency. How can account be placed on my file without proper communication or notification?
Product: Debt collection

I CONSUMER XXXX SENT PORTFOLIO RECOVERY ASSOCIATES A VALIDATION LETTER IN RESPONSE TO THEIR CLAIM THAT I LAWFULLY OWED THEM ANY MONEY. THEY DID NOT RESPOND IN A LAWFUL / TIMELY MATTER ALLOWED BUT RESPONED WITH A NON CONSTUTIONAL/LAWFUL RESPONSE. NUMEROUS DAYS AFTER DEFAULTING ON RESPONDING TO MY DISPUTE LETTER. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF ME. CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CERTIFIED WHICH ARE 1. NOTICE OF FAILURE AND OPPURTUNITY TO CURE DOCUMENTATION, 2. A FTC REPORT AND 3. EVIDENCE OF DECEPTIVE FORMS THEY HAVE SENT ME.
Product: Credit reporting or other personal consumer reports

As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy showing up when I pre applied for a credit card. This is inaccurate, I have spoken with Experian multiple times about this and they are not trying to correct it, they keep saying that a bankruptcy is not on my file but I have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

: This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX XXXX XXXX XXXX XXXX, Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't know how many letters I have sent your bureau regarding my identity theft, but my concerns remain unresolved. Here I am again, disputing the fraudulent information damaging my file and expecting your immediate action this time. 
Despite sending the required FTC complaint, your bureau is still reporting these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, submitted the necessary documents, and they have immediately deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts after receiving the FTC complaint. I am curious about the verification method your bureau used to continue reporting these fraudulent accounts. 
The following fraudulent accounts have been listed on my credit profile : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate Bankruptcy Judgement that is reporting from all XXXX credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy XXXX XXXX XXXX XXXX Georgia, and XXXX stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, XXXX, & TransUnion two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy XXXX, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy XXXX, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.
Product: Debt collection

I received a email from Resurgent Capital Services on XX/XX/2023 in regards to an alleged debt they have claimed to have purchased. They believe I now owe them. I understand it may be common practice for companies to purchase debt from companies but that does not give them the right or authority to contact you to attempt to collect a debt. They claim I owe {$640.00}. I have never signed a contract where I agreed to pay them any disclosed amount of finance. They never gave me nor extended me any credit, therefore there is nothing that I owe them regardless if they purchased a debt from a third party. This is a direct violation of the Fair Debt Collection Practices Act section 1692g Sec 809 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 student loans for my 2 Master Degrees i had in my reports that i do not have to start payments until XX/XX/2016. 
In 2016 in XXXX i started receiving calls from XXXX XXXX and XXXX XXXX  saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Product: Credit card

On XX/XX/year>XXXX  I made a purchase at Ulta beauty store. Used their Ulta credit card to pay for the purchases. They DOUBLE charged me for those purchases. When I received XXXX 's statement. The {$260.00} entry was double charged on the credit card. I immediately called Ulta and was told by the representative to wait 5 to 7 business days to see the resolution. On XX/XX/XXXX, the charge was not removed. I received a letter from them asking me to allow 90 days for them to complete an investigation. On XX/XX/XXXX, after no activity. Charge still remained on account and I was still paying the interest on this double charge, I called and was told that they confirmed with the store that this was an accidental double charge and they needed me to go up to the store to have them remove the charge. On XX/XX/XXXX, I went up to the store and explained the situation. The manager tried to remove this from the credit card but was unable to. She said credit services knows that the store is unable to remove a charge from an account past 90 days. On XX/XX/XXXX, I called customer service again and they closed my case as " resolved ''. I then had to write a letter to have them reopen. Which I have done. I can not get ANYONE to talk to me and NO ONE will remove this double charge. Each person I speak to confirms its a double charge but no one " has the authority to remove it. '' They will not transfer me to someone who has the authority to remove it. I am told they will contact me. It has been EIGHT MONTHS, I am still paying the interest and NO one will take to me or remove this charge from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WIT XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Credit card or prepaid card

I had a Paypal account and there were charges on it I did not do. I do not have the dates cause can't get into the account because I closed it. They have sent a delinquent payment to the credit bureau which has caused my credit score to drop over 55 points.