23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed the collection with XXXX account for hunter Warfield Inc I disputed this in XXXX for them to say the collection was verified they did not give me anything but a XXXX piece of paper just telling me the collection was verified they did not give me anything showing the steps they took to validate the collection and what steps they took to verify that the account belonged to me. Also, the collection is showing that it is open which is XXXX violation of the requisite XXXX XXXX compliance, and the collection is also showing a past due balance which XXXX is letting the collection be able to add interest to the past due balance. I have sent XXXX letters to XXXX I sent them a method of validation letter also another letter also letting them know that they are in violation for having this collection account as open on my XXXX report and also another letter informing them about the violation of them reporting a past due balance. this XXXX collection has been nothing but a burden to me this collection that is on my XXXX has violated my rights in accordance with the FRCA, Section 611 And My Requisite XXXX  XXXX compliance. nothing with a wet signature was given to me I also let the credit agency know I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also did not consent to you reporting inaccurate information in my name to the consumer reporting agencies. they still decided to report the inaccurate information on my XXXX this collection is not on my XXXX or XXXX XXXX is the only credit bureau giving me issues.
Product: Debt collection

I have got two phone call from IQ data company for asking money. The first call I had with IQ data is called by a male, he told me I have owned money from my previous apartment. And the apartment send their company to collect the money. But, at that time, I have never seen any bill from the apartment or the bill with same amount. I was asking him the basic information to confirm if he is not a scammer. He only have my and the apartment 's name and the total amount of the bill. When I asking him to private me more information such as the detail for the charge on each item or service, my living address, the invoice from service party, etc. he start to ask me will I pay for what he asking for. I told him I can not give him a payment without have the information, and he is starting threatening me to hurt my credit if I am not agree to pay him now. I told him I will call PD to report this phone call and he was become mad and threatening more about my credit and told me I will have following lawsuit if I do n't pay him. I called PD and be told I need evidence in order to report this case. Today, I had the second call from IQ data for the same amount of money, but called from different number. ( first called from XXXX, second on called from XXXX ) The people who called me is a lady with fast speak. She told me I owe their money and force me to make a payment right away. I told her please private me the detail of the payment and I will pay for that if I truly owe money. She asked me '' will you pay now if I give you the information? '' I answered her, " yes, if the money is what I owe. I will pay it now. '' She yield me '' I just ask you, will you pay? Yes or No! '' I repeat what I was answered her before. She repeat '' I just ask you, will you pay? Yes or No! '' with higher volume. I felt offended, and ask her to allowed me to record the phone call. She start getting mad like the male who called me before. I asked her to give me her name and company name for recording and the charge for each of the item. She told me the each of the charge but it 's different from the amount she gave me. So I kindly asked she to repeat it. She told she already spend 15 min on me and do n't want to waste time on me. She start to threatening me to hurt my credit as well. I have recorded her voice as evidence. The collectors from IQ data are un-professional, rude and lack of patient. I have never owe any one money, I have down payment for my house, auto, and any other cost. I paid my credit card on time every month. If the money I truly owe someone, I will pay back at first time. I believe that not everyone mean to owe money, they may in a hard situation or never got bill like me. Service be nice and helpful is important. I hope the board can have a consideration of their registration, ban it as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I checked my credit score last week, I saw had a negative account that brought my credit score down. I went on their website Im not the only person that is having this problem. The amount is {$570.00}, the company name is Wakefield and associates I never heard of this company or take any loan out.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. 

( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. 

If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. 

Truly, XXXX
Product: Credit reporting

I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.
Product: Mortgage

I had a mortgage with Wells Fargo. In XXXX, I refinanced with Wells Fargo. Now inXXXX XXXX  XXXX I applied again to refinance. It was approved and I have letter of committment from the bank dated XX/XX/XXXX. I had an appraisal done of the property and paid for that. In mid XXXX I was told that Wells Fargo would not let me refinance because I had individual stock certificates for the two apartments that I own rather than a single stock certificate. I was told that it would be too late to change if the Coop Board was willing to change their policy because as we were speaking the application was declined and I would have to start over again. I have a statement from XXXX and the buildings management company indicating that the two apartments are combined. Two separate certificates is the norm. I asked to speak with someone who was involved in the decision and was told that underwriters make the decision, and clients were not allowed to talk to them. I was told that this is an industry wide practice mandating by XXXX XXXX. I spoke with someone in the XXXX XXXX office and they said this was not so and was particular to Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my Transunion : XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  | XX/XX/2023 Remove the 2 inquiries from my Experian : XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed immediately I never applied for these and they never permissable purpose
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX  impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate information on my behalf to the consumer reporting agencies. I attempted to resolve this issue with the company via mail, and they sent a " stalling '' tactic correspondence letter claiming they can not " research '' my request by requesting information already provided in the original letters. 

Your company is in direct violation of the law by reporting/furnishing inaccurate information to the consumer reporting agencies on my behalf. Pursuant to 15 USC 1666b ( a ) in which a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In addition to this, pursuant to 15 USC 1681a ( 2 ) ( i ) you are to EXCLUDE report containing information solely as to transactions or experiences between the consumer and the person making the report. By furnishing these deceptive forms of " late payments '' this is considered a billing error pursuant to 1666 ( b ). 


Capital One account : XXXX Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {XXXX} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a XXXX} fine per violation. 
Items to be deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On. XX/XX/28 XXXX XXXX XXXX XXXX CA charged me {$5500.00}. Services were never rendered and I am currently in a law suit against the comapny for fraudulent charges and defrauding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/ XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. LVNV FUNDING failed to present this information to any credit reporting agency before, during, or after the dispute. XXXX also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. LVNV FUNDING has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.
Product: Checking or savings account

Chase bank closed my bank account abruptly without warning, notification or motive. 
I was left unaware of the situation of closure for no motive like overdraft or legitimate reasons. 
Within a few days, i was faced with disastrous consequences like incapacity to cash my paycheck and incapacity to have access to my funds. 
I contacted immediately the customer service which claimed first that my account was closed by the fraud department then later on that it has been decided that my bank account will be closed at their discretion. 
i asked them to give me a legal, legitimate reason for the account closure, the answer was it is heir right to do so. 
I am in shocked, i don t know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this information, and remove it once its confirmed that it is not mine.
Product: Checking or savings account

I received a check from a credit union, not a personal check, which ended up being a fraudulent check. It was deposited and funds were made available. 2 days later my account was frozen on XX/XX/. I also received an email that says my account is on hold until activity can be verified. I called and left a message as instructed and did not get a call back. 

On XXXX  I called several times was able to speak with someone who says the bank will end its relationship because I used funds from the check that was eventually returned. It feels I am being punished because I was a victim of a scam, this is very unfair, inconvenient and causing issues with me paying bills and potentially negatively affecting my credit as there is no definitive timeline in when Ill receive positive funds from my work direct deposit -the representative says 7-10 business days but they are dependent on people so it could vary. If I did not call again, I would have never received a clear resolution. 

In our world of sophisticated scammers and advanced hacking it feels discriminatory to end the banking relationship because a check that appeared very real was not. 

It is the banks responsibility to verify the validity of checks with technology that as a consumer I do not have access to prior to releasing funds. 

This is not a check I created. I simply was fooled by scammers. 

Additionally I was advised to destroy the check which could help demonstrate why I thought this was a real check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a {$3000.00} payment to XXXX XXXX on XX/XX/XXXX. This payment was an advance payment so I wouldnt have to pay monthly for whole year of XXXX. On XX/XX/XXXX I get a notification that my Experian credit profile is updated and that XXXX XXXX reported my account in collections. When I made the payment, it was over the phone and my account representative confirmed it was an advance payment for the following year. They are constantly fraudulently displaying false information on my credit report. The balance owed is also incorrect. It should be in the $ XXXX $ XXXX range.
Product: Credit card

A business card that I had with American Express from a previous business was used fraudulently for a hotel stay. I disputed the charge with American Express and they accepted and applied the dispute amount to someone elses credit card and kept this card open. The fraudulent charge remained on this card without my knowledge. American Express closed by active business card without my knowledge leading to a bad credit filing. Ive been a card holding member of American Express since 1991. American Express acted negligently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

XXXX  previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX, balance {$490.00} ) ; CAPITAL ONE USA ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX  ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, XXXX has since relisted the accounts as belonging to be with has negatively affected my credit and finances.