23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint Description I am filing this complaint against XXXX XXXX XXXX, a debt collection agency, for violating the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper collection practices. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX  regarding an alleged debt of {$5900.00}, tied to a XXXX XXXX XXXX XXXX  credit card ( account ending in XXXX ), of which I have no knowledge of or affiliation with. The letter stated that they were collecting on behalf of XXXX XXXX XXXX, XXXX. In response, I submitted a formal dispute and validation request on XX/XX/year>, under the FDCPA. I requested the following : 1. Proof that the alleged debt belongs to me, including signed agreements or original account-level documentation.

2. A detailed transactional history of the alleged debt.

3. A chain of title documenting the transfer of ownership of the debt.

4. A signed document evidencing the accounts creation or validation of my involvement. 

Despite receiving my dispute letter sent via Certified Mail, XXXX XXXX XXXX failed to validate the debt or provide the requested documentation. Instead, they proceeded to file a lawsuit against me, even though the FDCPA explicitly prohibits collection efforts, including lawsuits, until proper validation is provided.

Why This is a Violation 1. Failure to Validate the Debt : XXXX XXXX XXXX did not provide any documentation to substantiate their claim that this debt belongs to me, nor did they respond to my inquire in any way.

2. Improper Collection Practices : Filing a lawsuit without validating the debt constitutes a violation of the FDCPA, as all collection activities must cease until the debt is validated. This action has caused unnecessary stress and financial harm.

Supporting Details 1. The address on their initial correspondence included a fraudulent address, which has been removed from my credit file after disputes with credit bureaus. This address is not affiliated with me.

2. I have no knowledge of the alleged account or any transactions tied to it, further supporting my belief that this debt is fraudulent.

Resolution Requested I request the CFPB investigate XXXX XXXX XXXX for violating the FDCPA and take appropriate enforcement action. Specifically : 1. Require XXXX XXXX XXXX to provide full validation of the debt.

2. Stop all collection activities, including the pending lawsuit, until validation is completed.

3. Remove any adverse reporting to credit bureaus related to this debt.

4. Hold XXXX XXXX XXXX accountable for their failure to comply with federal law. 

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting inaccurate and fraudulent information on my XXXX  credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX  promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX  continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.
Product: Debt collection

I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.
Product: Credit reporting or other personal consumer reports

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received report from one that has detailed dates for the last two years and the month is not involved. that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account. Account XXXX # XXXX ( CLOSED )
Product: Money transfer, virtual currency, or money service

paypal held my money in my paypal account within 108 days, may you help my problem I will cooperate to speed up the process. I can't contact them i tried and i just received a email that i no longer to used my paypal account and they need to held my money in 108 days
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Follow-Up Dispute Regarding Inaccurate Information Response to Equifax 's Letter Dear Equifax, I am writing in response to your findings received on XX/XX/XXXX, regarding my initial dispute earlier this month ( attached ). I have also attached your response for your reference. Frankly, I am surprised and disappointed that despite my efforts to dispute these inaccuracies, Equifax continues to allow these incorrect items to be reported on my credit file. 

The accounts listed below remain in violation of the Metro 2 reporting guidelines, and I am formally requesting that they be deleted from my report immediately due to their non-compliance : XXXX  XXXX XXXX Account Number : XXXX Issue : The " Date of First Delinquency '' reported as XX/XX/XXXX is inaccurate. As per Metro 2 guidelines, this date should reflect the true first missed payment. Please delete this inaccurate information. 

XXXXXXXX XXXX XXXX Account Number : XXXX Issue : The reported balance of {$9700.00} exceeds the credit limit of {$8700.00}, which is a clear violation of Metro 2 standards. Please delete this inaccurate information. 

XXXX XXXX Account Number : XXXX Issue : The charge-off balance is incorrectly reported as {$0.00}, while the account shows a past due balance. This inconsistency should not be present under the correct reporting standards. Please delete this inaccurate information. 

I can not believe that after filing these disputes, these inaccuracies persist on my credit report, causing undue harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have only accurate information reported. I expect that these items will be deleted promptly. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of these deletions. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was unfortunately severely injured by no-fault of my own in a XXXX by XXXX XXXX auto accident. I requested financial hardship assistance with REVI CARD Issued by XXXX XXXX on multiple occasions by XXXX mail in letters. I never received any correspondence or assistance. This clearly credit discrimination to which i intend to file full legal action if the bank does not recall the Charge Off of this account and settle the account in full for less than {$170.00}. This represents the balance minus all late fees and interest as well program fees since I also requested the account to be closed at my request in XX/XX/2024. Bank and creditor must correct all false credit reporting immediately, removing the charge off and account closed by consumer in XX/XX/2024. XXXX has been paid in full.
Product: Checking or savings account

I am not liable for this debt with, I do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting, I, the consumer has advised that XXXX account listed was not authorized by consumer. I am now requesting Experian to provide the documentation used to determine account was indeed authorized by the I, the consumer. Experian has 10 days to provide me with the name of the person spoken to documentation used, signed application with my wet ink signature, I am not asking for an e-oscar report. If Experian does not have documentation to show this account was in fact authorized it must be removed ASAP. per 20 USC 1232G section ( b ) Release of education records ; ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information ) said companies are in violation of this law along with 15 usc 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
No one has gotten my written consent to report XXXX account ( please provide all WRITTEN DOCUMENTS FROM MYSELF that gives you consent to do so ) I will be filing form 211 treasury omb to audit my account. Experian is securitizing I, the consumer data, yet refuses to provide me with a copy of my CONSUMER CREDIT FILE NOT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute inquiry with the three major credit bureaus, XXXX, XXXX  and XXXX, because of a bankruptcy account showing on my credit file. The results from XXXX  and XXXX  investigation  stated that Lexis Nexis was the furnisher and source of the information that they are reporting on my credit file and I was told to contact Lexis Nexis. I initiated a dispute with Lexis Nexis and in response to my dispute, they sent me a letter dated for XX/XX/2019, and it states that an investigation was done and the resolution was that " We have verified information from our identification records based upon your dispute. '' What is that suppose to mean to me? They sent me a copy of my credit file and it shows a bankruptcy account and it shows that the source of the information came from the courts. I sent a letter to the bankruptcy court, to the address that is on my report and inquired if they had sent information regarding myself to a 3rd party or to the credit bureaus and they responded to my inquiry with a letter that states " that they do not share information with any 3rd parties nor the credit bureau 's. '' ( I have attached that letter. ) The credit file from Lexis Nexis that list the courts as the source for the bankruptcy information is false. I then received another letter from Lexis Nexis dated XX/XX/2019 stating that they initiated an investigation on my behalf with XXXX   and the results were that " The company that reported the information has certified to XXXX  that the information is accurate '', why would Lexis Nexis initiate an investigation with XXXX  when Lexis Nexis was the source of the information that XXXX  is reporting. They are playing games. They have not done a reasonable investigation. They have only sent to me letters stating that the information had been verified but never no proof of who verified it. This company is being very vague with the results of this investigation. I have a right to see and challenge the validity of information that they claim has been verified. I want documentation that clearly shows that this account belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries and accounts on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries : Unauthorized Accounts and Inquiries : XXXX XXXX- This account does not belong to me ; please delete XXXX XXXX - This account does not belong to me ; please delete XXXX XXXX XXXX XXXX This account does not belong to me ; please delete XXXX XXXX XXXX XXXXXXXX- This account does not belong to me ; please delete XXXX - This account does not belong to me ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXXXXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX This account does not belong to me ; please delete
Product: Debt collection

radius global solutions, llc wrote a letter on XX/XX/XXXX saying i owed {$180.00} to XXXX XXXX XXXX. they alleged that my account with XXXX XXXX XXXX  was for XX/XX/XXXX, XXXX i have had no accounts with XXXX XXXX XXXX  in XXXX, XXXX, or even XXXX. My credit report also does not show XXXX XXXX XXXX  or any debt to them or this " Radius Global Solutions, LLC ''. I believe this to be a fraudulent claim and would like to report this company to the proper authorities so that they can investigate and keep this company from scamming others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX of this year, I sent a letter regarding inaccurate and unrecognizable accounts being reported on my credit report. It has been more than 60 days, and I haven't received any response from them and the accounts are still on my credit report. I am more than frustrated at this point. The law clearly states that an investigation must be had for these accounts that are being disputed and failure to do so within 30 days or more will result in the removal of those accounts. This is plainly in violation of the law at the expense of me and my peace. I demand that the accounts be deleted immediately or I will file for a lawsuit and seek compensation for damages. In addition, my information was also affected by the XXXX and XXXX data breach and may have gotten to the wrong people.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I have asked for these to be removed. The credit bureaus did not do as I asked. I am providing an Identity theft report attached to this. I am requesting for them to be removed because they are inaccurate and do not belong to me.
Product: Checking or savings account

Unable to withdraw the remaining funds from the accounts fifth third closed also there is a discrepancy on the amount. 

should be a balance of {$96.00} I was told the balance available is {$75.00} from an agent on Wednesday from " risk management '' he advised me to be able to immediately withdraw the funds I need to visit a branch. and in good faith, I attempt to do that today and they had to make a call to get this " block removed '' teller told me it could be well over an hour to get someone and I'm welcome to come back tomorrow. with is 100 % unreasonable after a 30-minute wait I requested my ID back and contact information for the branch manager since they were currently unavailable. I asked how long am I supposed to wait and I was told we don't know I couldn't even be given an approximate time. I could have waited several hours. it's just unknown. which including all the time I've spent trying to get in contact and to get a resolution has already exceeded several hours now. this has now cost me money with fuel. at this point, I will reach out for legal advice on the illegal holding of my funds. and will be requesting interest to be added on the funds being held from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  Suntrust XXXXXX/XX/XXXX {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. XXXX XXXX Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
Product: Credit reporting

I applied to receive my free annual credit report and was denied. The site asked me what company I received my mortgage loan from, what month those loan payments fell on and how much those payments were monthly. I 'm XXXX and do not have a mortgage nor a need for a mortgage loan, nor have I ever applied to receive a loan from any bank at any time.
Product: Mortgage

To whom it may concern : I have been trying to get a help from my mortgage company but they have been unresponsive. I now have a foreclosure sale date and about to lose my home because my lender is not responding. I reached out to a counselor to get help because I have not been successful with my lender. XXXX XXXX reached out to her today and submitted the loan modification paperwork. I hope that this complaint will get there attention in getting assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically XXXX. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit XXXX over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Product: Debt collection

I don't not owe LVNV or have a contract with them, or authorized anyone to give my personal address, social security, or phone number which violates my rights.I don't not owe LVNV or have a contract with them, or authorized anyone to give my personal address, social security, or phone number which violates my rights
Product: Checking or savings account

I went to the Chase ATM located XXXX XXXX XXXX, XXXX, Illinois on XXXX XXXX. XX/XX/2019, to deposit some cash to my checking account. I made four deposits in total and the first three successfully went through my account. However, the last one didn't. After inserting XXXX* {$100.00} bills in ATM, the ATM crashed and said : " we are having some trouble '' and gave me a receipt. So they basically ate {$2900.00} dollars ...

I called the customer service and they told me I'll receive some credit and send me an email about this. However, I haven't received any credit or any email about it. They wouldn't even tell me how long will this matter be disputed.
Product: Debt collection

XXXX XXXX XXXX WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY SPRINGLEAF. ON XX/XX/2013 I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XX/XX/2013 WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF XXXX XXXX XXXX AND SPRINGLEAF HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.