23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MDS/MRS has failed to provide proper SIGNATURE VALIDATION of debt. I sent Medical Revenue service a letter on XX/XX/21 to prove I owed debt on acct # XXXX, XXXX. Asking for my signature of payment agreement to debt. They sent me a form for " Coordination of benefit WORKSHEET '' with a signature at the bottom & a " Consent to contact '' signed form. ( I attached both forms ) these two forms are not proof of validation of payment agreement for these 4 debt accounts. This is a false and misleading representation. I asked for validation/not verification on XX/XX/21 and MRS has past their deadline to Validate this debt with a signed payment agreement from me. This is a FDCPA 15 USC 1692k violation with a {$1000.00}. Pay out to me. These accounts must be removed from my credit report immediately. This is considered fraud and I will report to my state and the state of Florida attorney general if this is not removed immediately off my credit report.
Product: Debt collection

On  X/XX/17    at  XXXX  CST I received a call from (  XXXX  )  XXXX , a number which originated in  XXXX   XXXX  , FL  according t o caller ID. Upon answering, I heard a message saying the call was from " Chaplain Financial Services '', and this message was intended solely for Me, and if I was the named party, I should press  1.  I did as instructed and was greeted by a female who identified herself as "  XXXX   XXXX  ''  ( o r  XXXX   ).   XXXX   XXXX  informed me she was calling from " Chaplain Associates '' and that her client was in the process of filing "  XXXX  allegations and  XXXX  complaint '' against me with my  local county c ourthouse, and that they were just calling to get a statement from me. She then asked " so, you did n't pay back the loan, right? Why did n't you pay it back? Did you lose your job? '' - It should be noted that at no point did  XXXX   XXXX  inform me that this was an attempt to collect a debt, and any information gathered would be used for that purpose- I informed  XXXX   XXXX  that I did not wish to make any statement on my own, but rather if they needed a statement that I would allow my attorney to make a statement on my behalf. She asked me to repeat what I had said, so I did, and then she said " well we just need a statement in order for these  XXXX  allegations and  XXXX  complaint to be filed against you with your local court ''. I asked  XXXX   XXXX  what she meant by "  XXXX  allegations and a complaint '' and she said " it means our client is attempting to have you charged with Theft by Taking and Passing Bad Checks. I asked  XXXX   XXXX  if she was familiar with the Fair Debt Collections Practices Act, specifically Subsec tion 807 whic h says The following conduct is a violation of this section  : ( 4 ) th e representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person ... as well a s ( 5 ) :  The threat to take any action that can not legally be taken or that is not intended to be taken, and that an individual can not be charged with " Theft by Taking '' for the alleged nonpayment of a debt. She replied " no one is saying you 'll be arrested, just that we 're trying to have you charged. But you seem really on point with all this, so we 'll go ahead and move forward with filing this with you r local county reco rder, and you better get legal representation ''. I replied " well thank you for the legal advice, you seem to be an attorney '' at which time she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION XXXX XXXXXXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$3500.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Checking or savings account

I tried to use my ATM card and it was not working. I have my rent money in the account and when I called they told me that my account was closed for their own personal reasons and would not give me an explanation. I am going in to the branch tomorrow to see if they will let take my rent money out because I need it. Its almost XXXX and I dont want to get evicted because I cant pay the rent I have XXXX children and I am a XXXX parent. I am hoping they will let me get my money out in the morning.
Product: Credit reporting

XXXX, NY XXXX, NY XXXX These are not my address, They are my son, XXXX. 
Also there a charge for XXXX for {$1100.00} This is not mine, It my son also.
Product: Credit reporting or other personal consumer reports

I have sent this company a letter to validate this account. Which has been over XXXX days now and I still have not received a response. The account appears to be over XXXX XXXX XXXX, so it should not be reporting on my credit anyways, Also I do not recognize what this account is. 

Ive attached the letter that was sent to them in XXXX as well as the credit report.
Product: Money transfer, virtual currency, or money service

AI will not accept my request and I have been waiting on my money for months
Product: Mortgage

XX/XX/XXXX we paid XXXX to cover XXXX 's mortgage, and escrow account in order to close the escrow account. The customer service told us will not be charged XXXX. Our surprise was XX/XX/XXXX an amount of {$2000.00} was automatically withdrawn with contradicts what was promised. Caliber 's representatives are inconstant in their answers. Some said will mail the check in XXXX business days. Another said that will be waived the following month. other said will be credited to next month. Last two weeks I called and gave my number to talk to the available supervisor and I was told supervisor 's will call in 24 hours. Since XX/XX/XXXX we call since then not answer from Supervisors and today another call they said the supervisor is in another call once finishes will call. there is misinformation towards us. As off today we will report this to XXXX XXXX XXXX to report this awkward moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I placed a freeze on my credit score. At that time my XXXX credit card was removed from my account by Experian. In XXXX of 2020 I applied for a mortgage which I was refused numerous times by numerous lenders. I have been told repeatedly that I have no FICO score. After contacting Experian in XXXX I have complied with each and every requirement they insisted on. Experian refuses to reestablish my 30 year credit history with XXXX. We have been in contact with Experian numerous times since XXXX XXXX has sent them all requested information. Experian continues to request more information which has already been sent to them. They have assured me numerous times that everything would be taken care of in 7 days. It has now been 5 months and I am still unable to qualify for a mortgage. My FICO score in XXXX of 2020 was XXXX. Experian continues to refuse to reinstate my FICO score until they receive more information which they have already been given. I have requested to speak to a supervisor and been told there are none available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I checked Equifax 's equifaxsecurity2017.com site to see if my personal information was compromised by this year 's cybersecurity breach. The website told me, " based on the information provided, we believe that your personal information may have been impacted by this incident. '' With access to my personal information that I believed to be secure in the hands of Equifax, I am worried that I am now at risk of identity fraud/theft and have had to go out of my way to place alerts on my file. Why was I not notified of this? I believe, as a consumer, the information we entrust credit reporters with should be treated with the utmost security and respect, and we should be notified immediately if it is compromised. Instead, I did not know my identity was at risk until I read the news.
Also, when checking the website, they attempted to convince me to sign up for a service which is publicly known for containing an arbitration clause. I find it outrageous Equifax expects us to waive our legal rights after this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus 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 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 XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I contacted the company in XX/XX/XXXX & XXXX in regards to reporting the account to all three credit bureaus, I was told it would report nothing ever reported under my business name and personal account. The loan was taken out in XX/XX/XXXX through XX/XX/XXXX in the amount of {$20000.00}. This loan was taken to build personal credit and business credit. TFC was paid the loan amount plus interest for a period 7 months.
Product: Checking or savings account

On XX/XX/XXXX, I asked Bank of America to close my CD account # XXXX. This was a CD account that secured a line of credit that had been paid off 100 % and then closed earlier in the day. I made this initial request by phone. I was instructed to visit a branch where I was told I would be able to close the CD account that day, so I made an appointment for XXXX XXXX. I arrived at the bank of America local branch at XXXX XXXX XXXX, XXXX co XXXX at XXXX XXXX, and was not seen until XXXX XXXX. At that point, I explained the situation to the banker, but they were unable to close the account. I asked to see the manager, XXXX, who was also unable to close the account, but promised to monitor the account and call me after the 24 hour hold on the CD had expired. 15 days later, on XX/XX/XXXX, after having received no call from XXXX, I called the bank and spoke to XXXX again. He said he was still unable to close the account, and has given me no path forward to be able to close the account. I need the money held in this CD to pay my rent. I didn't know what to do, so I'm submitting the complaint now.
Product: Credit reporting or other personal consumer reports

Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XXXX  The account was not delinquent for XXXX XXXX A payment arrangement was in place ahead of time.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE ALL THE NEGATIIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXXXXXX XXXX XXXX, Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023
Product: Credit card or prepaid card

I had two fraudulent charges on my Wells Fargo Credit Card ending in XXXX. The card is in my maiden name XXXX XXXX. Despite filing a police report and an FTC identity theft report, Wells Fargo claims the charges are 'valid ' which to me is defamation since it implies I falsely claimed the charges were fraudulent I filed a fraudulent police report which is against the law. 

I did not make the charges nor did anyone I know including my authorized user at the time ( XXXX XXXX ) make the charges. She is my daughter-in-law ad we have been estranged since XXXX. I have had no contact with her since then nor have I given her physical possession of the credit card. I am not at all aware of who made these charges
Product: Credit reporting

I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. In XXXX of 2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all XXXX credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least six time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR and I 'm attaching a letter from the courthouse showing that they also corrected the record.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian Reporting inaccurate information for the following accounts regarding there closure dates XXXX XXXX # XXXX XXXX - closed XX/XX/XXXX / Reported close XX/XX/XXXX by Experian XXXX- XXXX # XXXX XXXX - closed XX/XX/XXXX / reported close XXXX XXXX by Experian XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX closed XX/XX/XXXX / reported close XX/XX/XXXX By Experian According to 15 U.S. Code 1681e ( b ) You are suppose to assure maximum possible accuracy, This account is not accurate according to the Fair Credit Reporting Act, therefore the Following Consumer reporting agency should Delete account immediately for violating 15 U.S. Code 1681e ( b )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted an online loan company called Speedycash. They called me on this number XXXX. They told me they was going to send me XXXX to make sure my account was active and then I send it back to them and then they will send me my loan. I thought they were sending me the XXXX, I sent it to XXXX  and they gave me the address to send it to bitcoin. I was a little leary and thought it was odd but did it. Then told me they couldn't send me my loan amount because of my credit score. I told them that made no sense. Come to find out the bank credited me the money because the loan company called my bank acted as me and disputed the transaction. Then the bank took away my credit. My account is now XXXX XXXX can't help me and now I'm going to have to make payments to the bank until the account is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home and I noticed there were negative items in my report. This is a violation of 15 U.S Code 1681i ( 5 ) removal of inaccurate/invalidated credit information.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by XXXX  with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My Equifax payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.
Product: Mortgage

In XXXX XXXX, I could no longer pay my XXXX. In XXXX XXXX, started process towardsshort sales. In XXXX XXXX signed a contract and closedthe short sale on XXXX XXXX, XXXX. Both mortgageswere satisfied at the closing on XXXX XXXX, XXXX. 
( see attached HUD ) Since the closing, I have receivedendless harassing phone calls and constant collectionnotices from Chase Mortgage, as well as, outsideagencies. ( see attached notices from XXXX throughpresent ) There were probably prior collection lettersbut it was only after pulling my credit in XXXX XXXX ( see attached XXXX credit reports verifying paid account ) and verifying that account was satisfied, that I startedkeeping the notices. Some collection notices weresent XXXX overnight with a return overnight envelopeto make a payment. ( those are attached to the letters ) As a financial housing counselor, I found this behaviorto be harassing, degrading, unprofessional, andunethical practices that lead to the violating of theFair Debt Collection Act, as well as, the Fair CreditReporting Act.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Sat, XX/XX/2024 at XXXXXXXX XXXX  I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedby

me. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account. Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an FHA mortgage with XXXX since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and XXXX. I am XXXX and am required to XXXX  but have just become XXXX  for XXXX so this makes this all even more difficult to handle. 
I just found out that my TransUnion credit score dropped AGAIN, this time by 16 points because XXXX XXXX XXXX XXXX keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES AcXXXX. I have tried to resolve this with XXXX in the past and today while attempting to log into my mortgage online through XXXX XXXX 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.