23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.
Product: Credit reporting or other personal consumer reports

Identity theft has XXXX impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.
Product: Debt collection

Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING A PROBLEM WITH XXXX  AND EQUIFAX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX Bank of America in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a BOA credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called BOA and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the BOA credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( XXXX, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a BOA Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. Bank of America still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 ) ( TN CHILD SUP # XXXX ) ( TN CHILD SUP # XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has all violated my rights.

15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following
items of information, any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : 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. 
Also, I have not supplied proof under the doctrines of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.
Product: Debt collection

On XX/XX/XXXX I C Systems placed a collection on my credit report. It is for {$600.00} for XXXX electric and gas. This debt is placed with a separate agency, XXXX XXXX XXXX since XX/XX/XXXX. They are placing a duplicate collection onto my credit report for the same debt. They have never even attempted to contact me, neither has XXXX XXXX XXXX. I need this collection removed as the duplicate is hurting my credit. Besides the fact that the dates of origin on I C Systems is not accurate. This is an old debt owed by an ex boyfriend and his father that never paid their bill.
Product: Debt collection

I, XXXX XXXX request for a full disclosure on ownership on a debt stated by XXXX XXXX  that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX  does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX  et al v. XXXX XXXX XXXX XXXX  decision US Supreme Court  No. XXXX Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX  XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Product: Credit card or prepaid card

I am enclosing my dispute information in the pdf. As of XX/XX/11 Citibank has again sided with the merchant but has not provided me with any documentation electronically ( email, website etc. ) or otherwise as to the reason why or the documents that merchant supposedly made available to them or its response.
Product: Debt collection

On XX/XX/2024 I submitted a complaint with Ability Recovery Services about an alleged debt. I asked for proper verfication AND validation of alleged debt. The contract if any that they have with me on such alleged debt, purchase agreement with them and the original creditor on the alleged debt AND certified green receipt showing that i received proper notices to dispute the ALLEGED DEBT. They have not provided me with PROPER Validation Requests or with any contracts/ purchase agreements, XXXX certified green receipt. INSTEAD they continue to report the alleged debt violating my rights as a consumer and continue to Tarnish my reputation and hinder my ability to apply for more credit. They are in violation of the FDCPA and FCRA and i need all 3 consumer reporting agencies or any other agency reporting this alleged debt to immediately delete this negative information from my Consumer report. Please investigate thoroughly because they keep violating my rights and i may seek remedies per violation. ATTACHED is the file that Ability recovery Services has sent me and in the dispute is them ATTEMPTING to collect a debt again which is another violation. ( XXXX $ )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Bank and the companies that have inquires on my consumer report. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. These accounts were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent. According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Mortgage

As of today XX/XX/XXXX we found out our mortgage had been sold to a different mortgage company. This morning my husband went on to the United Wholesale mortgages website to pay our mortgage and was told our loan was paid off and we have no option to pay through them. It has been sold to another company which we were made aware of today. That company is XXXX XXXX. I proceeded to download their app and attempt to pay. It says our account details have not been transferred over yet and it will take 2 days to be able to create an account with them. The date I will be able to make a payment through the new company will be XX/XX/XXXX, according to them. My payment will be late as of midnight tonight, XX/XX/XXXX. I have absolutely no way to pay. Yes, so have called both companies. I called XXXX and the automated message said my husband nor I exist at the moment. There are no accounts with our phone number, SSN, or loan number. I, then, called United Wholesale Mortgage and talked to XXXX. He told me they were not authorized to talk to me and my husband had to call. Quite a while ago we had this problem with them and we sent in copies of identification and a notarized letter giving me permission to talk to them and be added in as an authorized user. They claim them never got that, then he rechecked and found the letter that gave me authorization. However, he claimed it was only valid for 90 days. We have had nothing but issues with this company from the start. They have lost our payments for the months of XXXX and XX/XX/XXXX and reported them to the credit bureau as late. We had talked to about XXXX different people who said they would not get reported since it was their fault they lost the payments, but did not honor their word. As of right now, we have no way to make our payments and it will be late if it is not made by midnight tonight even though I have taken every Avenue to make sure it is paid on time.
Product: Credit card

To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my Synchrony card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for Conns, Walmart and Credit Care No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 

If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Please do not contact me by phone, please contact me at my email address XXXXXXXXXXXX. NO PHONE CALLS! 
I will be glad to receive a positive response from your end. 
Yours sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -- Created a Collection account. {$320.00} past due as of XXXX XXXX. 

This was sent to FIRST COLLECTION SVCS I've contacted FIRST COLLECTION SVCS -- and they told me to contact XXXX XXXX. 

XXXX XXXX has not returned my calls. Further I have a statement on my credit report to _call_ my personal number before opening any accounts. This is due to prior identity theft that is also listed on my credit report. 

XXXX XXXX allowed a fraudulent account to be opened in my name and then sent the unpaid debt to a collection company without seeming to verify anyone 's identity.
Product: Credit card or prepaid card

Customer Service Representative told me my card is eligible for XXXX points after spending {$15000.00}. But my progress bar shows only {$100000.00} points.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX states that I have unsatisfactory banking history for the past year. Doesn't make sense and it seems like I am unable to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to have this fraudulent data blocked from my credit report through Transunion. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX  {$770.00} XXXX XXXX XXXX {$2200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from XXXX XXXX XXXX regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX  via letter sent by certified mail. On XXXX, I disputed the information with XXXX
Product: Credit reporting or other personal consumer reports

The following inquires i never authorized and are on my credit report, they are unauthorized and i would like them removed 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  None of these companies had permissible purpose to view my credit report and according to Section 604 15 U.S.C 1681 B Are unauthorized and i would like them removed.