23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address an ongoing matter pertaining to a debt allegedly owed to XXXX, which has been brought to my attention through communications from Valor Intelligence Processing and subsequent collection agencies. 

In an initial correspondence with a representative from Valor Intelligence Processing, I expressly conveyed my request for a validation letter regarding the purported debt. Regrettably, despite their assertion of having dispatched the validation letter, I have not received any documentation substantiating its dispatch, nor any verifiable means of tracking its delivery. This lack of tangible evidence raises concerns as to the authenticity and procedural regularity of the communication. 

Furthermore, on XX/XX/, I was once again contacted by a collection agency in relation to the same debt matter. It bears noting that during this interaction, I reiterated my denial of any obligation and reiterated my request for a debt validation letter. Unfortunately, as with the previous instance, the validation letter remained conspicuously absent from subsequent communications, thereby impeding my ability to fully comprehend the basis of the alleged debt. 

A similar scenario unfolded on XX/XX/XXXX, XXXX, when I was contacted anew by the collection agency, prompting yet another explanation on my part regarding the inaccuracy of the purported debt. At this juncture, I reiterated my demand for a debt validation letter, while additionally expressing a desire to converse with a supervisor. Despite being assured that a supervisory contact would be established within a 24-hour timeframe, no such communication materialized. 

Subsequent to these interactions, I received another call from the collection agency on XX/XX/XXXX, again urging me to remit payment for the debt in question. My response remained consistent I maintained that the alleged debt was not substantiated by any legitimate obligation on my part and that I continued to await the requested debt validation letter. It was during this communication that an email address was provided for the purpose of formally submitting my request. Eager to rectify this situation, I promptly transmitted an email expressing my concerns and reiterating my request for validation. 

As of XX/XX/XXXX, the date of this correspondence, I have received communication from yet another collection agency indicating the recent transfer of the account in question to their administration. This transfer prompts me to address these concerns anew, as the matter remains unresolved despite multiple attempts to ascertain the veracity of the alleged debt and its accompanying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX account number 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 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 was dismayed after I ordered my XXXX, Experian and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XXXX XXXX and 60 days late as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Apple Card which is underwritten by Goldman Sachs, isn't updating my account accurately with the 3 major credit bureaus.
Product: Credit reporting or other personal consumer reports

My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of Virginia.I want to know why was it on my Report.Secondly they had the State of Texas Child Support for years when a XXXX  crime was committed on a military base involving this alleged XXXX.I got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXXy Sheriffs to my address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely Yours XXXX XXXX XXXX XXXX
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 or unverifiable accounts unresolved. The consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Online fraud on XX/XX/2024. I needed XXXX customer support. I searched for the number via XXXX. I called the number that popped up but instead of XXXX, crooks answered. They showed me a fake record of my XXXX XXXX account with multiple ( fake ) fraudulent transactions. " First, we have to clean up these fraudulent charges, '' they told me, and I was hooked. From that point on, I stupidly followed whatever they told me to do, which included ; Sending all of my money $ XXXX a friend via XXXX. He sent it right back. But now the money was at XXXX. I stupidly bought XXXX and stupidly sent them to the addresses I was given. ( Did I mention that I was stupid? ) Sofi is " investigating. '' I'm worried that they will say that I made these transactions voluntarily and won't return my money. They said that they usually make a " provisional '' determination within 10 days but that period is long past. The investigation can take up to 90 days. I desperately need the money before then.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two debts collectors ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I was divorced in XXXX. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX XXXX. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage XXXX XXXX property.
Product: Credit reporting or other personal consumer reports

Subject : Reevaluation Request for Credit Report Dispute - Tracking Number : XXXX Dear TransUnion I hope this letter finds you well. I am writing to address my concerns and seek clarification regarding the recent investigation of my credit report dispute, which bears the tracking number XXXX. On XX/XX/2023, I called TransUnion to dispute certain transactions, and despite my efforts, I received a response stating that all items reported are deemed 100 % accurate. 

I understand the importance of accuracy in credit reporting and respect the investigative procedures undertaken by TransUnion However, I believe that certain discrepancies persist on my credit report, and I am writing to provide additional information in support of my dispute. 

Enclosed with this letter, please find documents [ or describe the nature of the documents ] that I believe will shed further light on the inaccuracies reported. I kindly request that tramsunion carefully review this information and reconsider the accuracy of the reported items. 
Moreover, I would like to draw your attention to Section 1681a of Title 15 of the United States Code, also known as the Fair Credit Reporting Act ( FCRA ). This section outlines crucial definitions related to consumer reporting agencies, consumer reports, identity theft, and other pertinent aspects of credit reporting. As per my understanding of the law, it emphasizes the importance of fair and accurate reporting and provides consumers with the right to dispute and correct inaccurate information. 

I specifically refer to subsections [ cite the specific subsections relevant to your case, if any ], which [ briefly explain the significance of the subsections in relation to your dispute ]. These legal provisions underscore the obligation of credit reporting agencies to conduct thorough and fair investigations and rectify inaccuracies promptly. 

In light of the additional information provided and the legal framework established by the FCRA, I kindly request a reevaluation of my dispute. I believe that a more detailed examination, considering the enclosed documentation and the legal provisions outlined in the FCRA, will contribute to a fair and accurate representation of my credit history. 

I appreciate your attention to this matter and look forward to a prompt response. If necessary, I am available for further discussion to ensure a comprehensive resolution. 

Thank you for your understanding and cooperation. 

Sincerely XXXX XXXX
Product: Debt collection

HUNTER WARFIELD INC is reporting on my credit that I owed them {$3200.00} which I do not owe. They are stating they are collecting for a property management company that I do owe. They have not provided me with documents that verify this debt nor have provided me with anything letting me know about this debt before they reported it on my credit. This debt is not my. I have found out that they have been reporting this inaccurate information for over a year now. Something needs to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I  have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$370.00}, XXXX XXXX. {$2000.00}, US Dep Of ED/XXXX XXXX XXXX {$45000.00}
Product: Mortgage

Select Portfolio Servicing ( SPS ) wrongfully denied mortgage assistance ( loss mitigation ) we filed on XX/XX/2019 while violating RESPA loss mitigation laws. 
SPS denial letter of XX/XX/2019 ( attached ) stated Insufficient payment reduction. We are unable to offer you this program because in performing our underwriting of potential modification we could not reduce your interest and principal payment Same SPS letter of XX/XX/2019 letter listed only the following net present value ( NPV ) calculation inputs/assumptions : one numeric input ( property value ) and one unexplained valuation code ( DRVB ). 
The number of inputs cited above, allegedly used by SPS for loss mitigation NPV calculation, is inconsistent with much larger number of inputs typically needed to perform a loss mitigation NPV calculation. 
SPS did not disclose all inputs/assumptions to the net present value ( NPV ) calculation used to deny our trial or permanent loan modification eligibility as required by RESPA and CMR law. 
12 CFR 1024.41 ( d ) ( 2 ) RESPA states : If a trial or permanent loan modification is denied because of a net present value calculation ( NPV ), the specific reasons in the notice provided to the borrower must include the inputs used in the net present value calculation. 
Additionally, 209 CMR56 requires that an NPV calculator approved by the Division of Banks, such as FDIC or HAMP or equivalent are used for loss mitigation NPV calculations. FDIC and HAMP calculator requires approximately forty or more unique inputs/assumptions to perform NPV calculation.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Product: Debt collection

I never received a letter letting me know that this company was attempting to collect a debt. I got a few years ago and my last name has changed. I sent in a letter via mail for debt validation and I called the company. 

Also, Jefferson Capital is not licensed to collect in the state of Florida.
Product: Debt collection

Sunoco gas credit card numbers were stolen per Sunoco customer service phone conversation in XXXX. She stated it was being used in Ca and throughout Pa and said they were cancelling the card as I agreed. I wanted to ensure I was not responsible for any charges and she replied no since the credit card agreement states that in written form. Since then they have placed this fraudulent debt on my credit report when they were fully aware the credit card number were skimmed I believe they called it and is common problem. Long story short I filed in XXXX in Delaware Court and the judge agreed that I should not pay for this debt when their own contract states that I am not responsible for these charges so they were court ordered by a judgement to pay their charges to myself which they did in addition to court fee 's. I assume everything was clear until XX/XX/XXXX letter I received from their security department requesting I call them and I did XX/XX/XXXX @ XXXX XXXX and spoke with XXXX. He noted everything as I answered his questions and he also agreed that this should be closed and taken off my credit report. On XX/XX/XXXX dated letter again requesting I call their security department as I did XX/XX/XXXX at XXXX XXXX and spoke with XXXX who reviewed the notes and also agreed that this was closed and all the info they have in their notes and should be removed from my credit report. He stated I now should contact Fraud Research dept. XXXX XXXX XXXX, XXXX XXXX, DE XXXX which I did again. I have spent hours on this issue and the court agreed I was ot responsible for any payments under their credit card agreement but this is still going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX KEY XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I cosigned for a credit card with a {$300.00} limit for my daughter when she XXXX 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new address but nothing came in my name which I believes proves I had been removed from the account as she requested. Now I got a letter from one of my banks saying there is a Charge Off on my 38 year perfect credit rating for an account I had been removed from 14 years ago. My daughter is going through debt consolidation and the consolidation company had no idea there was a consignor on that account either. Discover never contacted me to tell me that I was associated with an account about to go into default. I have my own account with them in perfect standing so my contact information was readily available. I have lived at my current address 53 years so it 's not hard to find me. When I contacted Discover their response was they only contact the primary card holder. I told them I had a credit card with my name on it when the account was opened but when it expired 3 years later, none was ever received in my name either at my address or my daughters address again proving I was off that account. Discover could not answer why I never received a replacement credit card since the account was opened yet they are saying this is listed as a joint account. We have run a family construction business for 29 years and our credit rating is imperative to continue getting lines of credit jeopardizing the jobs of XXXX workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX