23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019- {$1300.00}. Affiliated Acceptance Co added a new account to my credit report.

XX/XX/2019- $ XXXX- Affiliated acceptance Co added a delinquent charge to my credit report I have spoken to the both companies involved. The company who the original charges were for and the credit collection company. I do not owe this money. They offered me an unfair settlement. I told them I wouldn't accept a settlement when I don't owe the money to begin with. This dropped my credit score over 100 points and is extremely unfair.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : sent XXXX into XXXX  XX/XX/XXXX : sent another XXXX into XXXX  XX/XX/XXXX : verified my self with a selfie + code + drivers license as they requested with ticket # XXXX all XXXX : verified and emailed them multiple times with NO RESPONSE XX/XX/XXXX : still NO resolution! to my ticket # XXXX
Product: Debt collection

Ive contacted these debt collectors before, told them I went to XXXX where I had my service, asked them why I was receiving this bill? They looked up my account, said my bill is completely paid. They said we are not sending these notices. They said have them call sprint and verify the account is paid in full. I went to the XXXX office in person when I made my last payment. A year or more later, I began receiving these notices. 
I do not owe anything on this account. If necessary, well go to court. Im sorry but I wont pay what I dont owe. XXXX says do not give you any personal info, because this is a scam. I went there three times, each time they stated I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, capital One are obligated to provide consumers with a proper validation of the debt upon request. However, the validation process for my account XXXX has raised concerns regarding compliance with the law. I kindly request that you provide me with the specific methods and documentation utilized to validate this debt in accordance with the FCRA. 

To support my claim, I would like to highlight the following points : - The initial request for validation of the debt on account XXXX, which was previously submitted, did not receive a satisfactory response that provided adequate evidence of the debt 's validity. 
- Capital One is required to provide detailed documentation or information verifying the existence and ownership of the debt, including a complete payment history and contracts with my signature. 
- The methods used to validate the debt should adhere to the standards outlined in the FCRA and should include comprehensive and accurate information to establish the legitimacy of the debt. 
- Provide me with the specific methods and documentation used to validate the debt associated with account XXXX, ensuring compliance with the FCRA. 
- Cease the transfer of my private information to any third-party collection agency without my explicit consent. 
- Opt me out of your system and any related third-party databases to protect my privacy rights. 

Furthermore, it has come to my attention that my private information associated with Capital One account XXXX has been transferred to a third-party collection agency without my explicit consent. This act raises concerns about the violation of my privacy rights under state laws, including 15 U.S. Code section 6801, 15 U.S. Code section 6802, and 15 U.S. Code section 1681B.
Product: Credit reporting or other personal consumer reports

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Your agency is in violation!

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Checking or savings account

This is my third complaint about the same Wells Fargo bank on XX/XX/XXXX. Someone used Wells Fargo to call us and tell us we are being fraud against our two checking accounts. I reported this to Wells Fargo claims twice each time I have been denied. I will continue to use this site to draw attention to Wells Fargo for not refunding our money which is covered under the federal law each time I do this claim they call me or write me a letter telling me that theres nothing they can do. The claims department is blaming us for authorizing the withdrawals from two different checking accounts, its clearly fraud and Wells Fargo refuses to pay us back the money owed that they allowed to happen. Next time I am denied. I am going to hire attorneys and resolve it that way.
Product: Credit reporting or other personal consumer reports

The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted XXXX, Equifax, and XXXX to remove and there was no help or response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with XXXX XXXX XXXX Account Number : XXXX Dear, XXXX I am writing to formally dispute inaccuracies in the credit report you have on file for me. After reviewing my report, I have found incorrect information regarding the above-referenced account. Below are the specific inaccuracies and supporting details : 1. Payment History Reporting : Your report shows 180 days late in XX/XX/XXXX. However, the account was closed and paid in settlement in XX/XX/XXXX, as reflected under the XXXX section. Reporting delinquency after the account was settled is factually incorrect. 
Additionally, the report reflects ongoing delinquencies for several months in XXXX ( e.g., 180 days late for XXXX, XXXX, and XXXX ), but the account was not active during this period, based on the settlement agreement. 
XXXX. Account XXXX : The account status is listed as Paid in settlement, but the reporting of delinquencies in XX/XX/XXXX conflicts with this status. Once an account is settled, no further late payments should be reported. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX When disputed, inaccurate or unverifiable information must be corrected or deleted promptly. 

I kindly request that you investigate this matter, verify the information with XXXX XXXX XXXX, and update or remove the inaccurate entries. Please provide me with the results of your investigation and an updated copy of my credit report. 

Thank you for addressing this matter promptly. I expect a response within the timeframes outlined by the FCRA. If you need additional information, please contact me at ( XXXX ) XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written this email 3 times asking them to stop emailing. Never did we request information form them. There is no longer an opt out on their email either. My computer blocks all of their links they send in the email. This is the email address all of the emails come from XXXX. 
FreedomFinancialNet XXXX I just want them to stop emailing as I am sure it is a scam and worried they are getting information from my computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you remove this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting method of validation for all disputed accounts that are in litigation via XXXX being litigated for data breaches involving my personal information being exposed. XXXX has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. XXXX really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid the ultimate price with their lives and forced labor. The effects are still evident today. This form of Debt slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been going back and forth with the original creditors, collection companies and credit bureaus ( XXXX, transunion, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number. 
Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : XXXX XXXX XXXX Account Number:XXXX Provide Physical Proof of Verification
Product: Credit card

Admittedly I was behind on payments to credit card. I tried to make a large payment to the credit account, but I was unaware the payment had returned. I received no email or letter in the mail stating the account was closed. Once I noticed the money never left my bank account cause it was flagged as fraud, I remade the payment and everything went thru. Not until a week or XXXX after I go to used the card, and learn the account it closed. I try and call and they say they can do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with transunion and XXXX.
Product: Mortgage

I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.
Product: Debt collection

There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America provided a forbearance in which my payments were to start in XXXX of XXXX. I just found out today after trying to get answers from them for 18 months that its now because my payment was to be made in XXXX of XXXX. This is the first Ive heard and they are playing some sick game over there. I have a letter from them stating the payment being due in XXXX of XXXX. XXXX from BofA has given me multiple excuses of why they show my account past due. My account is not past due and they refused to acknowledge or fix. They have reported me late to the credit agencies which is now causing issues with me getting a new car for work. This is a huge problem.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete 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, credit repair services, or other personal consumer reports

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Product: Debt collection

According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.
Product: Credit reporting or other personal consumer reports

XXXX has failed to properly investigate disputes pursuant to 15USC 1681i. Initial CFPB complaint # XXXX. XXXX has been sued by CFPB for these complaints. 
XXXX neglect of its investigation duties has caused me unnecessary financial and emotional hardship. Remove these Unverified fraudulent accounts from my credit report immediately. 


XXXX failed to conduct proper investigations and verify accounts pursuant to FCRA, 15 USC 168i Initial CFPB complaint # XXXX. XXXX has been sued by CFPB for these complaints. 
Experians negligence into conducting proper investigations has caused me significant harm, these inaccuracies are negatively impacting my credit profile and financial well-being. 
XXXX has failed to notify me of the methods used to verify the disputed accounts. 
XXXX has not provided any proof from the furnishers of the disputed information to confirm its accuracy within the scope of the FCRA My disputes have ben dismissed without proper reinvestigation as required by law. 

I request that the CFPB intervene to ensure XXXX complies with its legal obligations under the FCRA Experians neglect of its investigation duties has caused me unnecessary financial and emotional hardship. 
I request that XXXX remove all previously disputed unverified accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating. 
All was Disputed on XX/XX/2021 No was not Taken
Product: Debt collection

To my shock and frustration, I recently discovered a collection account on my credit report that I do not recognize. I have never agreed to this debt, yet I am being harassed through various platforms, even facing threats of legal action. This is deeply distressing and has taken a toll on my mental health. As a law-abiding consumer, I refuse to tolerate these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOCKHART MORRIS & MONTGO listed a collection inaccurately on my credit report that I've already had removed. The dates, in which they've listed, are false and seem to restart over and over to make the debt appear to be more recent.. The collection agency willfully re-aged and knowingly placed this collection ( with false information ) on my credit report. 
I did not receive a validation/verification letter in regards to this debt being sold to them previously, before the debt appeared on my report. This has caused my credit score to drop tremendously and resulted in denials of credit lines and violated my rights.. Under FCRA and FDCPA guidelines I asked for a proper investigation, in which the bureaus claimed the debt verified. There were no interviews from family, friends, or my associates regarding my character or reputation. The date last reported is false and re-aged so how can the debt be verified and it is not 100 percent accurate. There were many violations made on the behalf of the collection agency. Including my right to privacy as stated in ( 15U.S.C 1681 section 602a ) nor did I give anyone written permission to furnish this on my report as stated in ( 15USC 1681 604a ) ( 15 U.S.C 1681g ) ( 15 U.S.C 1681c ) ( 15 U.S.C1681s2 ) ( U.S.C 1681b ) ( 1681a )