23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed and BOTH CREDENCE RESOURCE MANAGEMENT IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
Product: Money transfer, virtual currency, or money service

i sent mobile money transfer via world remit to XXXX under transaction # XXXX to XXXX XXXX in XXXX XXXX mobile number XXXX on XX/XX/2022. I call WorldRemit to ask for a refund as receipt could not collect funds XXXX XXXX. I call a supervisor at world remit and they said they had to retract payment A week later received an email stating they cant assist me as funds have been paid when XXXX never collect funds.
Product: Debt collection

Nationwide Recovery Serv XXXX  XXXX XXXX XXXX  for {$110.00} Sold this alleged debt opened XX/XX/2021 which is a Violation of HIPPA Laws. 

In accordance with the Fair Credit Reporting Act XXXX Nationwide Recovery Serv  XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sold me a lemon car I didnt have one month this csr started acting up they pick this car up at the hostipal one day I was sick
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen and my identity. A XXXX  card was open by someone else.
Product: Mortgage

We had a 3.5 % interest rate loan on our house, we had a lot of debt so we wanted to re-finance. AmeriSave said they would give us a new loan at 10 % interest, wipe out all of our debt with refinance option, and we would re-apply with AmeriSave after a few months of having no debt.

We agreed, trusting AmeriSave would refinance our loan at a lower interest rate. Within the first month, AmeriSave sold our mortgage to XXXX, which doesn't refinance loans. When we called AmeriSave about this, they stated we " didn't qualify '' for their refinance program since the loan was no longer with them. 

This is a bait and switch. We, as consumers were completely misled and now we struggle to pay our mortgage. This is unfair, unethical and nobody we reached out to will even talk to us. AmeriSave shouldn't be allowed to swindle homeowners into programs like this. They literally took our money and ran, and now the we suffer the consequences.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft as a result of a company 's neglect and incompetence. I filed an identity theft report and the credit bureaus has not internally deleted the falsely reporting credit information with deletion from credit report and hasn't blocked the creditor from my credit report. 

This is with XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I have been dealing with this collection for over 2 years. 

2018 I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX fl XXXX I had XXXX XXXX XXXX  internet service at this address. 
Upon moving to a new address I cancelled services with XXXX XXXX XXXX never missing a payment with them in its entirety. 

I returned the equipment to a XXXX store. Like any company requires. I dropped off the box and wiring. And the XXXX guy said thank you have a nice day. I said I didnt need a receipt. WHAT A MISTAKE!! 

2 months later I received a notification that my account balance was {$290.00}. I contacted XXXX XXXX XXXX IMMEDIATELY yelling at them telling them how I absolutely returned my equipment and obviously someone from their company did not do their job correctly. And I need this collection to be dismissed I was speaking to the manager on top of all of this! And they told me no problem sir, I will take care of this for you, I apologize. You dont need to talk to me like that, have a nice day Than I start reviewing letters from radius global solutions in regards to make an attempted debt collection on behalf of XXXX XXXX XXXX XXXX! So of course I contacted radius MULTIPLE times telling them the same scenario of what happened. But of course they could care less what I say Im just one person. They dont care what Im saying just want me to pay nothing they can do. 

For months I stopped reviewing mailed letters so I actually assumed they finally stopped and took away the collection. Until recently I started recieving them AGAIN!! only now Much worse. Because they have actually marked it on my credit report and is an official debt on my credit which has impacted my credit score ALOT!! 

I can not believe 2 years later Im still dealing with this issue all because someone didnt do their job correctly. Now Im paying the price for everything. I need this collection once and for all removed from my credit report. And removed all together with a RECEIPT and proof that it is done. I absolutely will not pay this nonsense. I only had 1 internet box with wiring, nothing else. Absolutely returned it and now Im getting XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.
Product: Debt collection

I received a bill from a debt collector -- CMRE -- on behalf of XXXX XXXX XXXX. I had earlier received a bill from XXXX XXXX XXXX which i paid in full. When i called CMRE regarding this bill asking what it was for ( when i had already paid the bill i had received ) they were unwilling to give me any more explanation other than i owed some balance. I requested an itemized bill so i could know what and why this difference, but they refused.
Product: Credit card or prepaid card

In 2019, I discovered that I was once again the victim of identity theft. This was discovered when I received notice of several attempts at opening accounts with different creditors. I also noticed that my banking accounts held at Wells Fargo and XXXX  XXXX XXXX had a number of unauthorized transactions. These accounts were my primary accounts for managing bills and other financial transactions. Additionally, the disruption created impacted my credit card with Wells Fargo. Once I identified the unauthorized transactions across my banking and credit accounts, I quickly worked with the institutions to dispute all authorized transactions while contacting the major credit bureaus to block my credit file. New account numbers were established for my banking accounts and the old ones were closed out. For the credit card account, I made numerous attempts to dispute the unauthorized transactions with limited success. I asked that the issuer close the account as a result of the ongoing efforts to dispute charges as well as the fact there were still pending transactions being applied to the account. 

This process went on for months and finally, due to an impasse in disputing the unauthorized charges that were unresolved, the account was charged off. I have since made a number of attempts to dispute the transactions with the issuer while have retained legal counsel to advise on a settlement ( for the charges that I authorized in the amount of {$4100.00} ) which was finally granted. With the new payment amount agreed to, the company associate also agreed to remove the fraud-ravaged account once I completed the required payment.
Product: Bank account or service

I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.
Product: Credit card

On XX/XX/XXXX, I went to a museum. At the museum I got a text on my phone saying I was charged XXXX dollars at XXXX  XXXX I instantly closed my card and called support. They said they would reverse it and send me a new card because I apparently lost it recently without me knowing. They did reverse it but then another 2 days later it posted again. I thought it was still doing its thing so i waited. On XX/XX/XXXX, I got a notice that there was insufficient evidence for fraud. I don't know what else to prove.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph 3 instructions 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear DIV ADJ SERV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that DIV ADJ SERV has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for DIV ADJ SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that DIV ADJ SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DIV ADJ SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

On XX/XX/2024 I had sent out a certified letter to TD Bank NA included in that letter was my ID to inform that this was actually me, and a letter stating that I needed details on this account, original contract with signature, and 30 days to comply they signed my return address on the letter I have sent but did not receive anything further from them an now its been 30 days. By law they need to delete my item from them on my credit report. I have also tried everything I possibly can to get this debt resolved called multiple times hours on the phone wasted also mailed certified letter still no response from ( TD Bank NA. ) creditor. I also can provide proof that certified mail was sent to the address listed on my credit report the only contact info they did not provide a phone number affiliated to the account. XXXX had attempted to reach out to them at least 3 times. They have not reached out to me under any circumstance just feels like Im being ignored. I need to get this item removed from my credit report immediately due to XXXX XXXX and trying to get approved for an apartment is very cumbersome for my wife an I. In the meantime, this action on my credit report keeps showing negative/late when in fact its a charged off account. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaint # XXXX, My name is XXXX XXXX, a federally protected consumer, and I am making the complaint against XXXX XXXX  for violating a cease and desist notice they received on XXXX XX/XX/XXXX and continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached an FTC report which will be used when filing for litigation in Federal court to this complaint. I am aware that the in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and and the assigned are both liable for violation under 15 U.S. code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX  and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX any right to collect on this alleged date. It is my belief that XXXX XXXX is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violated multiple violations under the FCRA and FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX  can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  can provide me with sufficient documentary evidence that I have the legal obligation to pay them. If this documentation can not be produced and XXXX XXXX continues its collection efforts I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1026A, extortion, theft by deception, security fraud, and mail fraud. Also XXXX XXXX has committed a violation by reporting this alleged debt as a charge off which is in violation of 15 USC 1692d ( 4 ), advertisement of sale of any debt to coerce payment of the debt. A charge off is considered income and income is not to be reported to a consumer report.
Product: Debt collection

XXXX XXXX XXXX  has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX  card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX  card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.