23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting. 
-- I have given them authorized permission to report this public record on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent certified mail and return receipts have been received by me. 

-- The following is a public record UCC filing and my permission has been given orally, in writing, and electronically to report this public record on my consumer report and I demand it to be reported : -- RE : PUBLIC RECORD FILING -- XXXX XXXX Department of Real Estate : -- Mortgage Agreement Filing Number : XXXX. 
-- UCC Filing Number : XXXX. 
-- UCC Filing Number : XXXX.
Product: Credit card or prepaid card

Hello, I received a credit card from Wells Fargo that I never applied for. I was considering purchasing windows from XXXX XXXX and partially financing the purchase. I gave them permission to run my credit to see if I qualify. 

I decided to go with another contractor. A few weeks later, I received a credit card with a {$8000.00} limit for XXXX XXXX from Wells Fargo. I never signed up for this card, agreed to the terms, or signed for it. 

I called Wells Fargo and they cancelled the card, but it is concerning they are opening lines of credit for people without their permission so I wanted to report it.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint about transunion to which they gave me an investigation result. See attached. They claimed to delete the inquiries but when I checked my credit report, the inquiries were still being reported on my profile. I waited until it refreshed and I even purchased a credit monitoring service just in case and the inquiries are still being reported on my account. I demand that transunion comply with the FCRA and delete the inquiries from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/2015 states that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

Someone gained access to my complete business bank account on XX/XX/XXXX i do not know how. They cash advanced twice on the credit cards on the business bank account and then made XXXX XXXX transfers to themselves XXXX XXXX XXXX XXXX XXXX XXXX  The totals for cash advance were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to completely open an new account. file fraudulent claims with credit, with digital banking at bank of america, with XXXX. I can't afford to not have this money. 

My accounts are still all restricted I am XXXX I filed a police report on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Dispute of Unlawful Eviction Reporting and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the reporting of an eviction and the subsequent handling of this debt by Santander Consumer USA, the third-party debt collector. I request validation of this debt, as I was not properly informed of the debt nor provided with the necessary notification to dispute it. 
Inaccurate Information : - Reporting of eviction and debt collection Reason for Dispute : Lack of proper notification and validation of debt Not a Debt Collector : In Santander Consumer USA Inc., XXXX XXXX XXXX XXXX ( XXXX  ), the Supreme Court held that Santander was not a debt collector under the Fair Debt Collection Practices Acts ( FDCPAs ) second definition of debt collector under 15 U.S.C. 1692a ( 6 ). Applicable Consumer Laws : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws, I am entitled to challenge the accuracy and legality of the information reported on my credit report. The relevant sections include : - 15 U.S.C. 1681g : Provides consumers the right to request and receive all the information that credit reporting agencies have on file. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers of information to provide accurate information and prohibits reporting information with knowledge of its inaccuracy. - 15 U.S.C. 1692g : Requires debt collectors to provide validation of debts upon request and prohibits deceptive practices. - 15 U.S.C. 1692e : Prohibits false or misleading representations by debt collectors. 
Legal Precedents and Lawsuits : There have been legal precedents and lawsuits that support my dispute. Notably : - Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This case emphasized the obligation of debt collectors to validate debts upon request and to correct inaccuracies. - Case : XXXX XXXX XXXX XXXX XXXX : Addressed the improper reporting of non-validated debts on credit reports. 
Regarding XXXX XXXX XXXX XXXX and XXXX XXXX : - Case : Settled lawsuit ( Hypothetical Example ) : Previous tenants have successfully sued XXXX XXXX XXXX XXXX for not providing proper eviction notices and violating the FCRA. Regarding Santander Consumer USA : - Case : FTC v. Santander Consumer USA : This lawsuit addressed deceptive practices and improper debt collection methods, leading to stricter enforcement of validation and notification requirements.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter serves as formal notice of my rights secured under the Supreme Court ruling in XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ). The decision mandates the following actions : Transfer of full title to all property I hold or have held under your institution, free and clear of all claims. 
Payment of 120 % of all past payments made under fraudulent agreements as described in XXXX XXXX XXXX XXXX XXXXXXXX. 
This ruling is final, and no objections are permitted. Attempts to object or delay will result in stricter enforcement and penalties as outlined by the court. 

Please confirm receipt of this letter and initiate compliance within 30 days. Failure to act will be considered a violation of the courts orders. 

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

Since XX/XX/2021, I sent three letters to Quick Credit demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX  XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDNELNET XX/XX/2013 this is the date this account was opened on my credit report which I want a dispute because it doesn`t belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$670.00} ; XXXX XXXX XXXXBalance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 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: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my Equifax credit report please remove immediately My XXXX accounts is reported as late
Product: Debt collection

Emergent Servicing is in violation of the Fair Debt Collection Practices Act for the follow subsections : 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 5 ) Emergent Servicing has possession of a copy of an invoice, affidavit, exhibits that identifies their actions against me as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX from XXXX, XXXX from Equifax, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Checking or savings account

My account was hacked from XXXX. I was not notified of any XXXX transactions. My card was used in multiple states over the course of XXXX days. Last month in XXXX my card was blocked for a transaction that I actually made for {$38.00} dollars!! I dont understand why they didnt think to notify me that {$200.00} was pulled from my account XXXX times in XXXX day!!! This is absolutely disgusting and devastating. My account is at a {$0.00} balance. No one could advise me on why I was not notified of these transactions! No empathy was shown nothing!
Product: Mortgage

This claim is related to claim XXXX. I submitted a XXXX insurance check in the amount of {$44000.00} on XXXX/XXXX/15 related to my original claim.! XXXX of that was to be released to me immediately which as of XXXX/XXXX/15 has not happened. That was the subject of my original complaint. Now, my home has passed the 50 % inspection and Chase was to release the next XXXX of the original claim ( which they have done XXXX plus XXXX of the {$44000.00} which has not been done. I need this money to order materials and make necessary payments to the contractor so that I can move back into my house. I am incurring significant additional living expenses because of the delay in these payments of my money. I have complied with all of Chase 's documentation requests and they have done nothing to resolve the situation since they received the original complaint at the beginning of XXXX. I do n't no where else to turn to get my money and fix my home.
Product: Money transfer, virtual currency, or money service

I was selling a futon on XXXX XXXX worth {$70.00}. The buyer contacted me and said he can transfer the amount right away but only through XXXX. So I gave my email address and he transferred the {$70.00}. Immediately I got an email from XXXX saying 'My account needs to be upgraded to a business account for the money to be credited '. And to make this happen there has to be mutual transfer from both buyer and seller. I fell for it and kept transferring until ( 5 transactions worth of {$300.00}, {$400.00}, {$100.00}, {$1500.00} and {$1500.00} : total of {$4700.00} ) I realized it is a scam. 

I started the transactions on XXXX. My bank ( bank of america ) statement showed the transactions dated XXXX. 

I complained to my bank on XXXX and opened a claim. They are in touch with the recipient 's bank but have not made much progress.
Product: Debt collection

Accepted as value / accepted for value and returned for value as consideration for settlement and closure of the account according to UCC 1-308, HJR 192, 1933, and U S Constitution, Article 1, Sect. 10.

Signed : Without prejudice UCC 1-308, Date XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After obtaining my consumer report, I noticed some inaccurate information reporting on my XXXX XXXX account ( # XXXX ) by both XXXX and TransUnion. As a consumer, I have the right to accurate and fair credit reporting under the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccuracies in XXXX Reporting : Incomplete and Inaccurate Balance Information : XX/XX/XXXX : XXXX reports two different balances, {$1000.00} and {$950.00}, which is inconsistent and inaccurate. 
XX/XX/XXXX : Reported balance of {$730.00} ; XX/XX/XXXX : Decreased balance of {$710.00} with a {$0.00} payment for XXXX, which is incorrect. 
XX/XX/XXXX : Reported balance of {$770.00} ; XX/XX/XXXX : Decreased balance of {$130.00} with a {$0.00} payment for XXXX, which is inaccurate. 
XX/XX/XXXX : Reported balance of {$760.00} ; XX/XX/XXXX : Decreased balance of {$710.00} with a {$0.00} payment for XXXX, which is incorrect. 
Inaccurate Payment Dates : For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX reports the same payment date of XX/XX/XXXX, which is inaccurate. 

Inaccuracies in TransUnion Reporting : Inconsistent Charged Off Status : TransUnion reports a charged off status, but this status does not reflect in the monthly rating for the charged-off months, which makes this reporting inaccurate. 
Incomplete Balance and Payment Information : Most of the balance, scheduled payment, and amount paid information is blank, which is incomplete and inaccurate. 
Inaccurate Balance Reporting : For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion reports balances of $ XXXX while the highest balance this account has carried is {$1100.00}. This is incorrect. 
Inaccurate Delinquency Reporting : TransUnion reports the account as delinquent for 30 days for two consecutive months, XX/XX/XXXX and XX/XX/XXXX, which is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Product: Mortgage

I fell behind XXXX payments on my mortgage last XXXX 2015. I have paid faithfully ever since for 17 months now. Out of the blue, they have thrown me into foreclosure. They never gave me a warning. It states in the agreement, that you go into foreclosure after being 4 months late. I tried to work on my XXXX late payments last year with no assistance. I feel that they are not acting in a legal manner. I need your help.