23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  dismissed bankruptcies on my credit report, from  XXXX  different years. I would like to know how it is that I can remove them if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It APPEARS XXXX, XXXX, AND EXPERIAN ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. XXXX, EXPERIAN, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Product: Mortgage

My name is XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX XXXX for over 10 years on my home mortgage. I found out through a XXXX XXXX XXXX who have been my mortgage assistance loan officer on XX/XX/XXXX, that Bank of America holds my mortgage. This is the first time in almost 18 years that I been living in this home and just found out that Bank of America holds my home mortgage. I would like for the federal agencies to find out how didi XXXX XXXX XXXX XXXX XXXX and Bank of America changed my HUD/FHA loan to a USDA loan. I have a company of my original paper I signed at closing on XX/XX/XXXX and the section paged in my files is the page I signed with a HUD addendum and FHA Insured Loan. No one ever gave me a copy of any USDA loan I signed and I want to know how my loan was changed. And why XXXX XXXX XXXX and Bank of America is trying to steal my home when I have numerous proof I can pay a {$750.00} home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, despite their lacking a legitimate foundation for furnishing data on my credit reports, and a continued failure to state a verified foundation stating their rights to maintain this claim on my credit, continue to furnish this data to the credit bureaus. They have not shown a valid contract in any of my attempts to demand they provide this. They continue to ignore multiple attempts to get them to obtain this proof, and as such, have not proven that there were valid accounts or that any such alleged accounts included a right to assign or transfer since Portfolio itself has not provided me with any consideration or service. They have failed to show how their efforts to claim possession of the alleged accounts are anything but lack of privity. 
They have engaged in many violations of the FDCPA, documented in prior complaints yet they continue to furnish their derogatory data without remorse. They shouldnt even have access to my credit files since they havent even proven a right of assignment in showing any original contracts, listing such a right of assignment as part of the contract terms. 
They have violated FCRA 1681s in the sense that they have never notified me in the first place that they were furnishing this derogatory information and they have continued to violate that in that this information came off several of my credit files and was placed back on those files without formal notice to me by Portfolio, a willful transgression of the law. 
Boatley v Diem held that credit reporting IS debt collection. Portfolio has stated that they are ceasing debt collection efforts yet they continue to report this data on the alleged accounts in violation of this higher court holding. 

I am enclosing the results of my search of the UCC files in the two states I have lived in in recent years and both show that there is no debt claimed on me. No debt has been filed with the states involved. Every time Portfolio continues to furnish derogatory data about me they are engaging in wire fraud and every time they send a mailing stating that these alleged accounts are valid, they are engaging in mail fraud.
Product: Debt collection

Hello, Yesterday - XX/XX/XXXX - I was alerted that a new collection account has been added to my credit report. When I further investigated I was notified by the collection agency that this was a collection account for first access credit card. I have never had nor have I applied for a first access credit card. They claim that I took this card out in XXXX of XXXX. Why is there no hard or soft inquiry from them at this time? Why have i never received a credit card statement either by email or regular mail. They claim to have my address I have never received a statement or anything sent to my address @ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. I receive emails from the USPS every day which details what mail i have received on any given day with copies! and I have never ever received anything from this company. They have also never ever even reported a balance nor " my purported ' past due payment to any credit bureau. Now they are telling me two years later that i have a card with them that i never paid??? i tried reaching out to first access by phone and email no response. I called Jefferson collection agency JCS @ XXXX they are telling me its serviced by another company which i called @ XXXX ( they never gave me a name of the actual agency " handling this debt '' Even when you call they don't provide a name of their company or anything.. they hung up on my after screaming at me that this is my debt they refused to provide me with a verification of debt!!! before hanging up on me! Please help me this is a fraudulent company and this is not my debt. I am in the process of purchasing a house and this happened right at the point of submitting an offer I can not believe this is happening to me. Please help me!
Product: Credit reporting or other personal consumer reports

XXXX keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Product: Credit reporting or other personal consumer reports

Experian continues to report false information. They are purposely not increasing or deliberately dropping consumers ' credit scores to cause financial harm. On XX/XX/2023, Experian increased my credit score to XXXX by XXXX points then on XX/XX/2023, Experian decreased my score back to XXXX by XXXX points stating that XXXX credit card reported a XXXX balance that dropped my utilization to XXXX. When I reached out to XXXX Bank, they stated that they never reported a balance of XXXX to Experian and that on XX/XX/2023 my statement carried a balance of {$27.00}. Experian continues to check my credit usage to report false information to justify dropping my score. 
By Experian doing this they are stalling or prohibiting consumers from obtaining financial opportunities that they would otherwise have had if it werent for them purposely destroying consumers right to fair reporting. I have made numerous reports about Experian delaying me from repairing my credit by reporting me as un-scorable after I reported them to the CFPB in XXXX XXXX XXXX Please reference XXXX # XXXX, XXXX XXXX and XXXX. Experian deleted my credit score, stating that I did not have enough credit, although I had an open credit account for a total of seven months, some collection items, and a credit history with them. I would have a higher credit score and more financial opportunities if it weren't for Experian stalling me from fully repairing my credit. What will the CFPB do to help consumers!!! How much documentation does the CFPB need before you DO SOMETHING? There is a need to implement new laws concerning credit scores. Experian should not be able to do this. In addition, didnt the U.S. fine this company for deceiving consumers about their credit scores? I think another fine is in order. I am positive that I am not the only one Experian is doing this too and has a history of retaliating when consumers report them. 

On XX/XX/2023, I opened a dispute with Experian against XXXX XXXX XXXX. XXXX has not reported my payments and still showed a balance of {$440.00} instead of {$340.00}. I uploaded and attached my proof of payment to the Dispute. On XX/XX/2023, Experian finished my report and sided with XXXX, Per Experian rep, XXXX reported that the balance of {$440.00} was correct and they will not correct this until XXXX reports otherwise. The agent stated that XXXX did not look at the evidence that I provided and opened another dispute for the same account. The second dispute was in my favor however Experian dropped my score by XXXX points again for no reason, I have less debt for the month of XXXX than I had in XXXX. So why drop my score? This is Deliberate Retaliation. This is causing emotional distress. Please assist in this matter. Thank you.
Product: Checking or savings account

After checking the IRS get payment tool, I learned that my stimulus was to be deposited into my American Express Personal Savings account on XX/XX/XXXX but I didn't receive it. I called customer service to see if there was an issue or to get the reason the payment hadn't posted to my account. I was told that a bank error caused my stimulus to be rejected and sent back to the IRS. 

My first stimulus was successfully deposited into the account back in XXXX, but I had an issue when I attempted to transfer it to an external account. I called customer service and I was told that I needed to verify the external account I recently added. I did, and I was told that the hold had been removed from my account. I did successfully transfer that deposit so I didn't think there were any further issues. 

However, today when I contacted support to inquire about the status of my most recent payment I was told that the hold from XXXX had not been cleared in error and that my stimulus deposit was returned to the IRS. I am desperate for assistance in getting this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian certified mail XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX asking them to validate the following collection agency debt they say owe. I also wrote the reporting collection agency by certified mail and was sent my medical infor with no hippa release as well as Experian Credit Bureau Re-ageing these account. Experian claims they did their investigation and refused to delete inaccurant account. 

XXXX XXXX XXXX- $ XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- {$61.00} Date Opened XX/XX/XXXX Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX This grossly fraud by Experian and these Collection Agency I have listed.
Product: Debt collection

I have a a unverified account from  Collections Bureau Of America  #  XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15  U.S.C.1692g, I  dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide  verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.
Product: Checking or savings account

My name is XXXX XXXX i tried to close my checking account with netspend on XX/XX/2019 they havent sent me my XXXX dollars for over a month i changed adresses and states i live in XXXX XXXX now and was previously in XXXX. I have called them more than ten times on the matter and multiple emails to there corperate office also please call me back at XXXX XXXX XXXX for more information thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am disputing a debt that appears on my credit report from XXXX XXXX XXXX, account number XXXX, XXXX accounts with same number. I do not recognize this debt and request full validation under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX. 

I previously asked the debt collector to provide proper validation, but they have failed to do so. Therefore, I am filing this complaint to request the following : XXXX. Proof that this debt is valid and belongs to me XXXX. A breakdown of the original debt, including principal, interest, and fees XXXX. Documentation showing that XXXX XXXX has the legal right to collect this debt If they can not provide proper validation, I request that this account be removed from my credit report immediately per the Fair Credit Reporting Act ( XXXX  ). 

Thank you for your assistance. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX had no good reason to post my account as a charge off. During the time I was unemployed, I requested that my account be held in deferment, and after I was re-employed I paid the account in full as a one time payment. Yet XXXX XXXX has posted this account as a charge off with a balance due of {$250.00}. That is not the case and I request that XXXX XXXX remove the charge off status as well as the prior payment history and to post the account as PAID. 

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

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

On XX/XX/XXXX I received 20 notifications from my Equifax membership I pay for monthly. I then received many notifications from another credit monitoring system XXXX. These notifications were in regards to all of my XXXX accounts. Every single one of them. It stated Comments on your account changed from Charge, Amount in XXXX column is credit limit to Consumer disputes - reinvestigation in process This is what was written on ALL of my XXXX accounts. I called and spoke to an Equifax representative who said she did not see any open disputes from me, because I have never disputed any of my XXXX accounts. Theyre all current and in good standings - so I have absolutely no reason to dispute them. She assured me she would fix this and said it was an error on their end. After I spoke to the representative, I received email notifications from XXXX XXXX  stating all of my accounts from equifax have been removed! Over 20 accounts were removed! I immediately called XXXX to make sure all my accounts were fine. They had put a fraud block on all of my accounts because they said Equifax contacted them stating I reported fraud on all my accounts. I never ever reported fraud on these accounts! There was no disputes the Equifax rep could even find showing this. Luckily, XXXX was able to lift my block on all my accounts. Today, XX/XX/XXXX, I went onto my Equifax membership and got a new report and all of my accounts from XXXX are removed. My score has dropped tremendously. I am so upset regarding this!! My score dropped many points due to this ridiculous error on XXXX part. I have worked extremely hard on my credit and for them to completely ruin it by removing over 20 accounts, falsely reporting to the creditors claiming I said it was fraud, all of this is in violation. On top of this all, the continue to ignore my inquiries removal requests for the legitimate fraudulent inquiries. I want this fixed! I want my credit report fixed. You literally destroyed my entire Equifax report.