23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CMRE Financial Services keeps trying to collect money that I have already paid to XXXX XXXX back on XX/XX/XXXX. I have sent copies of the cashed check from my bank to both CMRE Financial Services and to XXXX XXXX on XX/XX/XXXX, but I just received another collection for the same service. XXXX XXXX read a CT scan on me on XX/XX/XXXX and they sent me a bill for {$110.00} on XX/XX/XXXX. I paid it on XX/XX/XXXX. Neither company will acknowledge that I provided copies of the cashed check. CMRE continues to send collection notices and I'm receiving phone calls from them also. I just mailed a certified letter to CMRE today with more copies of the same information that I sent them on XX/XX/XXXX.
Product: Credit card

This company did not send a certified letter informing me of this debt or any balance owed before placing this account in the charged off collection status
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has placed an inquiry on my Equifax credit file dated XX/XX/. I have never given XXXX XXXX XXXX permission to do so. I do not have a contract with XXXX XXXX XXXX. 

OTHER FACTS : I live in XXXX XXXX, TX, I would never apply to an in-branch loan company so far away in XXXX, CA when there are local branches here. This is affecting my credit score. 

I disputed this inquiry with Equifax on XX/XX/XXXX  and they returned the results the same day ( Confirmation # XXXX ). It appears no re-investigation was done.
Product: Credit reporting or other personal consumer reports

Due to identity theft, I request the removal of this fraudulent inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit bureau to investigate an account that I felt that was being reported erroneously. The bureau responded back the same day stating that an investigation was completed and the account was not being removed. 

I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

PLAZA SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Has been sending me collection notices in the amount have {$5200.00}. This debt is not mines. I do not know this Company. I have never been business with this Company. The Company does not have a contract with my signature.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XXXX  | identified a discrepancy with account listed under ATLANTIC FINANCIAL and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

Dear LVNV FUNDING LLC / Sir/Madam, I am writing to formally dispute two accounts listed on my credit report that I am not aware of. I request the immediate removal of these alleged debts from my credit report, as I believe them to be fraudulent. I have no knowledge of these accounts and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning these accounts violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I require the following documentation : Evidence of Authorization : Please provide proof of your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle this matter.

Legal Basis for Collection : I request the legal basis for the collection of these debts. 
State Authorization : Provide proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : I request a full account history, including all collection-related charges.

I am also formally filing a complaint, citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to these accounts. Furthermore, under 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I request the immediate deletion of these disputed accounts from all credit reporting agencies due to their unrecognized status and the absence of any contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may result in further legal action to protect my rights and interests. According to the provisions under the FCRA and FDCPA, I demand that these items be deleted from all three major credit bureaus as soon as possible. 

In a good faith effort to resolve this matter amicably, I insist on proof of these debts, specifically the alleged contracts or other instruments bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of these past debts from my credit report. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXXXXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GAXXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an official FTC report, qualifying identification documents, and a detailed dispute letter to TransUnion on Thursday, XX/XX/2021. The documents arrived to TransUnion on Saturday, XX/XX/2021 at XXXX XXXX. The disputed items in question were : XXXX/DEPT OF ED Account # : XXXX XXXX/DEPT OF ED Account # : XXXX Both accounts are fraudulent, stemming from identity theft. I received a corresponding letter from TransUnion on XX/XX/2021 citing I recently submitted a dispute to TransUnion for an item, and the data furnisher verified the information. This in turn has allowed them to not reinvestigate my claims. 

TransUnion has failed to be transparent with their means of investigation, and continues to report inaccurate information on my credit report. 

Ive uploaded all required identification documentation to verify my name, somehow TransUnion maintains they will report a fraudulent account addressed to someone else on my credit file. 

This inaccurate reporting is severely hurting my credit profile, and is unfair/unjust representation of me as a borrower. 

Please have TransUnion either accurately and transparently verify this account as mine, or remove it indefinitely from my credit file.
Product: Student loan

I took out student loans through the XXXX in XXXX roughly to help me pay for my degree. They suggested I take out loans with XXXX who was the number one provider in student loans at the time. I did n't finish school and XXXX started hounding me for money that I owed them. They kept defering my loans as I was unable to make payments. After I finished with XXXX XXXX Application ) they expected me to pay them within two weeks of graduating. I was able to push the due date back to 30 days as I felt it was wrong of them to charge me so soon after graduation. My mom and I worked with them to put me on an income driven plan that had to be renewed every 15 months. Towards the end of my second term of the 15 month plan, I was so fed up with dealing with XXXX who had become Navient, that I wanted to refinance my loans and get them out of their hands. I contacted XXXX who told me they would buy out both my federal loans and my private loans and reduce my payments. They told me not to contact my creditors as this could slow down the process. I did as they asked. In XX/XX/XXXX Navient was able to contact me and verbally threated to use my high balance credit card to bring my account current. I contacted Navient in XXXX telling them to stop the payments as they were being bought out. Needless to say, I received 6 months of delinquent charges from Navient because XXXX did not pay my loans on my behalf as they were supposed to. I got in contact with the Minnesota Attorney General 's office to get a full refund so I could bring my loans current. I received a partial refund, and was able to bring the accounts current in either late XXXX or early XXXX. I asked Navient to remove the delinquent charges, which they stated they could n't. They suggested I write to the credit bureau and ask them to remove the charges. I received a call a week and a half later from Navient saying there was nothing they could do. Every time I 've talked to Navient, they are rude and are unhelpful. All I want is the delinquent charges removed as I was doing what I was told by a 3rd party company, who stole hundreds of dollars from me. I 'm including letters I received from the Attorney General, as well as some of the emails I have sent to XXXX asking for a full rend.
Product: Debt collection

Debt must be removed due to not be able to provide proof of original debt
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies Experian, XXXX, and XXXX did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my small business.
Product: Debt collection

C & F Mortgage Corporation and/or XXXX and XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX Descendant 's. Therefore, the XXXX XXXX XXXX XXXX Descendant 's hereby declare that C & F Mortgage Corporation and XXXX and XXXX XXXX XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States v. C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants. The descendant XXXX XXXX XXXX is a resident in XXXX & XXXX County, however, the response in the prior closed complaint by C & F does not reference that action taken against XXXX XXXX XXXX or her property by officers, employees, successors, etc. of C & F or the XXXX XXXX heir property belonging to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent a Method of Verification Letter on XXXX XXXX, 2021 by certified mail to TransUnion, XXXX, XXXX, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XXXX XXXX, 2021 and XXXX XXXX,2021. I received a letter from TransUnion stating they received my letter and provided a break down of the investigation process on XXXX XXXX,2021 as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from TransUnion. It has been over 130 days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XX/XX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response 130  after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original Method of Verification Letter. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit card or prepaid card

I have a debit card with Wells Fargo. On XX/XX/XXXX I noticed a fraudulent charge on my account for {$110.00} made through XXXX. As I went back through my account I noticed that this fraud had been going on for months. The first fraudulent charge was made on XX/XX/XXXX. I then went through my account carefully and located all fraudulent activity on my card. I noticed all charges had been through XXXX and totaled 19 fraudulent charges, totaling {$580.00}. I called Wells Fargo fraud department on XX/XX/XXXX and reported, in detail, every occurrence of fraud on my account, as stated previously there were 19 episodes of fraud that began on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo refunded {$430.00} which fell {$150.00} short of the reported fraud activity. I called Wells Fargo fraud department on XX/XX/XXXX to find out why they shorted me on the refund and they stated that they only were going to refund 60 days from the statement when the first case was reported. The person I spoke to on the phone did not know when the first reported case was and read back bad information to me. I asked if I could appeal the decision or do anything internally with Wells Fargo to get the total amount back and he told me no and so I decided to pursue this report in an effort to get my full amount back. Below I will itemize all fraudulent activity on my account with dates, amounts and where it was used fraudulently : XX/XX/XXXX - Recurring payement XXXX XXXX - {$1.00} XX/XX/XXXX - Recurring payement XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$9.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$66.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$16.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$41.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX - {$63.00} XX/XX/XXXX - XXXX XXXX - {$49.00} XX/XX/XXXX - XXXX XXXX - {$17.00} XX/XX/XXXX - XXXX XXXX - {$27.00} XX/XX/XXXX - XXXX XXXX - {$29.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$110.00} Total fraud {$580.00} Wells Fargo refund {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN
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 a account without my written instructions. 
1.Account number XXXX XXXX XXXX XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan {$21000.00} 2.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$580.00} 3.Account number-XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$1100.00} 4.Account number-XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$730.00} 5.Account number -XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection {$490.00} These Addresses Are False And One Doesn't Even Exist XXXX XXXX XXXX XXXX XXXX ( Doesn't Exist ) XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX