23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who Aspen Collections is or who they represent. Aspen Collections has has engaged in collection activity prior to validating a debt and and has not submitted any documentation to support their claim.

This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Aspen Collection is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from Aspen Collections via certified mail Return Receipt XXXX XXXX XXXX XXXX XXXX and the company has yet to respond When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Aspen Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Aspen Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Aspen Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reportin
g negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Mortgage

For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

PayPal is retaining my funds for no reason. I have been operating with this digital wallet for more than 10 years, and in general I didn't have any problems, except for the last month. They obliged me to change the status of my account ( from personal to commerce account ), as I decided to roll out a XXXX website for my business. Since that moment, they have retained my money each time I issue invoices for my services ( tourism services ). This is affecting my business, because I am having cashflow problems as I can not use my money. They say they retain the money to " protect my account '', but this doesn't make sense since my account is not new and I have been using Paypal for many years.
Product: Debt collection

While viewing my current credit report I noticed that there was a collection form Phoenix Financial Services regarding a medical bill. I have no knowledge of any medical bills. Please validate the accuracy and that the account is mine under FCRA guidelines. Including my signature and/or how you came up with the amount of {$1100.00}. All communication is to be through this website only. do not call email fax text or mail me. Please upload documents to this website only.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested a payoff for my mortgage, with XXXXXXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please run an investigation because the company is unheard of, the company name is unknown and the number is off. Please remove this collection from my credit report.

( Original Creditor : ) XXXX Balance : {$910.00}
Product: Debt collection

A document was sent to me dated XX/XX/2018 stating that I owe a collection to the apartments XXXX XXXX XXXX. This letter is not accurate for one the date is incorrect and when I moved out in XX/XX/2018 i owed a {$0.00} balance. I received my security deposit back a few months after I moved out. 

When i received this letter, I called the said apartments and they told me that they did not send any amount to this " National Credit Systems, Inc ''. I have called the collections agency multiple times explaining the situation and provide documented proof with the date of XX/XX/2018. Of course they don't believe it coming it from me ( the consumer/victim ) even though I have provided proof this is not right. I have tried contacting their higher supervisors and managers and have not received any phone calls back.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
JEFFERSON CAPITAL SYSYST XXXX
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name : XXXX  Account Number : XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account XXXX XXXX XXXX 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Debt collection

Common Wealth financial services is trying to collect a debt that was closed out twice. They purchased the closed debt, and are now trying to make money off the closed account. I would like this account removed from my credit report. This should be labeled as fraud, and against the law. I would like a file taken out on this company, and their unfair, and unethical business practices. I will continue to fight this, and file complaints up the echelon of governing bodies until someone looks into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma in the month of XXXX, I was placed on a Disaster Relief Program by Discover personal loans. My payment for the months of XXXX and XXXX were differed to the end of my loan. I received a letter of late payment during the month of XXXX, I contacted them directly and asked if everything was fine on my account. They said they couldn't control the automatic letters but not to worry I was enrolled in the program and I was not late on any payment. On XX/XX/XXXX, I was charged {$240.00} ( My regular monthly payment ) as if we were back on track yet I continued receiving late payment mail. I contacted them multiple times regarding this matter, every time I was told my account was up to date. My credit was ranging the 700 's when I suddenly experienced a drop to the 500 's. I started receiving email 's from other credit lines informing me they had decreased my credit limit due to a delinquent account I had. I contacted Discover immediately, they told me " We apologize, we don't know how this occurred. We'll fix it right away. '' This exact same conversation I have had it with 4 different representatives yet nothing has been fixed. It's been 6 months. Discover has damaged my credit score, credit history, and my opportunity to use my credit during this time period yet they don't seem concerned or have any intention on resolving the matter. I have even spoken to supervisors and managers, same information was told, same results were given.
Product: Debt collection

I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.
Product: Credit reporting or other personal consumer reports

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : XXXX XXXX XXXX Account Number # XXXX. In Accordance with the Fair Credit Reporting act 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 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. 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 U.S.C 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, 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. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. 15 U.S.C 1681e-Compliance procedures- ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION 1637B THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Debt collection

- Personal Statements XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing XXXX negative out of XXXX accounts. Through EQUIFAX Data Breach my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.
Product: Credit card

In the last year our four separate statements I was charged too much interest. I have paid my credit card in full and am being charged almost {$100.00} in interest. My last statement of XX/XX/year> I paid {$200.00} less than my statement amount and was charged {$100.00} in interest. This issue continues to occur and go unnoticed by Chase to overcharge customers like me.
Product: Debt collection

two medical collections were placed on my XXXX credit report this month. I have never received any correspondence from this agency as required by law allowing me to dispute first. I have attached a copy of both collections to verify the account numbers, dates and amounts proposed.
Product: Debt collection

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Capital One Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

To : Consumer Reporting Agency Subject : Request for Removal of Inaccurate Information Based on XXXX XXXX Dear Consumer Reporting Department, I am writing to inform you that after disputing the following accounts with XXXX, the accounts were fully deleted from my XXXX credit report as of XX/XX/year>. The accounts involved in the dispute were : XXXX XXXX Delaware XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Since XXXX has deleted these accounts from their records, the information should no longer be considered valid or reportable on my credit file with your agency. Therefore, I respectfully request that you conduct your own investigation into these accounts and delete them from my credit report as well, in accordance with the findings by XXXX. 

In accordance with FCRA Section 1681i, if the information reported by you can not be verified, it must be removed from my credit file within XXXX  days of this notification. As XXXX has already determined that these accounts were unverifiable and have removed them, I trust that you will take appropriate action to ensure that my credit report is accurate and up to date. 

Please be advised that if these unverifiable accounts are not removed from my credit report within XXXX days, I will have no choice but to consider further legal action to enforce my rights. Under FCRA Section 1681p, I have the right to seek damages for any violations, including the right to sue for failure to remove inaccurate or unverifiable information. 

I expect to receive written confirmation that the accounts in question have been removed from my credit file within the legally required XXXX period. Should the accounts not be deleted, I will pursue all legal remedies available to me, including filing a lawsuit. 

Thank you for your prompt attention to this matter. Please notify me of the status of your investigation and removal of these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 
THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mortgage loan was NEVER included in XXXX chapter XXXX bankruptcy ; payments continued XX/XX/XXXX through XX/XX/XXXX until property was sold. Mortgage balance paid in full via my attorney in XX/XX/XXXX. This error has caused me many negative credit issues. Please update and rectify asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX, Account name : XXXXXXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXt Account name : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
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 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 an account without my written instructions