23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : CREDIT ACCEPTANCE CORP XXXX, MI ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Debt collection

The vehicle was involved in an accident and the bank did receive a payment XXXX from the insurance company Equifax has invalida information on my credit report stating that the debt is still owed please have them update my profile this is hurting my report
Product: Mortgage

I recently purchased a townhome in XXXX. When I went to closing the bank charged me {$6000.00} in what they called points. I had no choice but to close because the movers were waiting for me to close to deliver my goods. 
No one at the mtg Co. Quicken Loans ever divested to me I would have to pay for any points. When I contacted the mtg co they more or less said too bad. 
How can I get my money back? I do not have the financial means to allow this to happen. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX  per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit card

capital one sent email saying outstanding balance of XXXX on XXXX  
email recieved XXXX
Product: Checking or savings account

On XX/XX/XXXX I issued check XXXX for {$1500.00} payable to XXXX XXXX. They are the property manager that I rent office space from. I mailed the check via USPS that day to their office. 
I was contacted by the property XXXX and advised that rent had not been received on XX/XX/XXXX. I contacted Wells Fargo and requested a stop payment on the check on XX/XX/XXXX. I was charged {$31.00} to stop the payment on check XXXX. 
I noticed an unrecognized payment on my statement on XX/XX/XXXX and reported it to Wells Fargo. I was assigned claim number XXXX. 
On XX/XX/XXXX check XXXX was cashed by XXXX XXXX XXXX XXXX. The check had been obviously and poorly altered. The cashed amount was {$6500.00}, to the payee named XXXX XXXX. 
As of XX/XX/XXXX I was advised by Wells Fargo that claim XXXX was denied. 
After calling and requesting to discuss with the investigator 4 times a week since XX/XX/XXXX I have received no contact or information from Wells Fargo at all. 
This is obvious fraud, and is very traceable since the bank that accepted the check did so for an account holder. The only reason this could have happened that does not include a gross negligent oversight by the banks, is if they have employees or agents participating in the fraud directly.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from XXXX  in the amount of {$490.00}. It should be removed.
Product: Debt collection

This XXXX collection account was the subject of previous CFPB complaint # XXXX. The collection agency XXXX XXXX claimed they did not receive my dispute letter and that they had sent the account back to XXXX. 

XXXX subsequently placed the account with a new collection agency, Transworld Systems of XXXX XXXX, PA, which is the subject of this complaint. I sent a request by certified mail disputing the amount and requesting a detailed accounting of the amount XXXX claims I owe. Transworld Systems signed the certified mail request card ( a copy of which is attached ), indicating they received my dispute letter, but they have never responded to me. The XXXX account remains on my credit report. This is an infraction of the FCRA. 

I switched from XXXX to XXXX XXXX XXXX on XX/XX/2023, and XXXX acknowledged the transfer by text message on the same date ( copy attached ). I subsequently received notification from XXXX that they claimed to provide service through XX/XX/XXXX and were billing me an additional {$120.00}. I have had XXXX XXXX XXXX service since XX/XX/2023, which XXXX acknowledged. XXXX has never provided me with a copy of the final bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX accounts aren't mine. Please remove them.
Product: Credit card

I reported to Bank of America that XX/XX/XXXX  {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXXXXXX MA is unrecognized, The bank of America said That I was at the location using the bank of America credit card to make the transaction in person, so They forced me to pay. 
I told Bank of America That I was out of America on XX/XX/XXXX, and arriving to XXXX on XX/XX/XXXX, I was not able to be in XXXX MA USA to do the transaction in person, Then Bank of america sent me a letter and asked me whether I have used another bank credit card to pay this {$20000.00}, they said If I am nor able to prove that I paid {$200.00} from another card, I must pay this fraud charge for bank of America. 
At the same time, I called Bank of America, asked the Bank to usps me all the materials that investigated, they said " Yes ''. but I never received anything besides the letter above. 
I also mailed my airline ticket the place that Bank of America address given and showed the bank transaction that I was in XXXX airport to layover to XXXX. 
But when I asked Bank of America, they never let me know about my material received or not, can they provide me opinion, The becaome unreachable!? 
Bank of america always froze my account, forced me to go to local branch to report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Company admitted to this not being their own account but a client.

FDCPA 15 US CODE 1692 FAILED TO VALIDATE DEBT No business with this company, no signed contract, no itemized statement or contract because they are falsely claiming ownership of this supposed debt. 
False record keeping and false contact claims. No phone call ever made, letters for validation and requests for statements only. 
Illegally reporting on my report, representation for litigation obtained
Product: Credit reporting

Today I tried to request my free credit report and was denied access because the information that I checked off appeared to be wrong. I have not requested a credit report for more than a year and I fear that my social security number has been compromised. Furthermore, I believe that someone has taken out a mortgage in my name.
Product: Checking or savings account

I received my new Debit card on Tuesday, XX/XX/2021, noticed it was the same number as the one that was going to expire, ( that was ok cause I have that number on certain automated payments ). 
I looked for the number to activate but there was not one so I called because I was going out to make a deposit. 
Spoke to XXXX on that day and she informed me that my new card was already activated and no action was required ... 
My card had been activated 7 days before I received it ... .activated on the day it was mailed ... 
I was very upset and made a complaint to her ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended XXXX XXXX college yet it shows I have loans over there??? I called them and they admitted that someone used my identity, I filed a police report against fraud and also contacted the social security department. 

Yet student loans still appear on my credit!
Product: Debt collection

On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting or other personal consumer reports

The following account listed below was paid on time. Please correct and forward to me an undated copy of my credit report. I will attach my current credit report showing that you are the only credit reporting agency reporting a late payment in XX/XX/XXXX. Your prompt attention in this matter is greatly appreciated : XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months
Product: Credit reporting or other personal consumer reports

I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.
Product: Debt collection

There is a collection account on my credit files that is fraudulent and currently reporting by Caine & Weiner. This account XXXXX {$80.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.
Product: Credit reporting or other personal consumer reports

I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXXXXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Fico XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and FHA, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, dehumanizing for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in XXXX as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have Transunion, XXXX and XXXX blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another 2-3 weeks. In this day and age that is unacceptable.
Product: Debt collection

In XXXX I received a letter saying that my second mortgage, that was discharged in a chapter XXXX bankruptcy, was transferred to XXXX XXXX XXXX, I had not paid this loan since XXXX.The new creditor contacted me and wanted me to make monthly payments and advised me that he would be " coming after me '' XXXX  XXXX was the principal of XXXX XXXX  XXXX.He called and emailed about payments in violation of the Bankruptcy injunction.I advised that I was not obligated on the debt and his only remedy was through the property but he insisted I start making monthly payments.He advised that he would foreclose but with a 1st mortgage of XXXX and a value under 500k no one would do that as they wouldn't get any monies after all was said and done.WXXXX talked of some type of a lien release settlement but he wanted more monies than he new I had and I advised him of a previous settlement offer that a previous servicer had reneged on ( see your case XXXX ) but he was still insisting on monthly payments.I did some research and he is not registered with the state of Massachusetts as required nor licensed with the state of Mass as required by 209cmr 18.16, I  don't know if he ever applied or was denied due to him previously being sanctioned and having a cease and desist issued by The Office of Thrift Supervision case XXXX XXXX. 
He then sent a notice to cure saying " you have 30 days thereafter a foreclosure action will be initiated. 
This is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, threatening legal action that he cant take and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is threatening what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes..
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past couple of years I have had so many issues with the student loan servic e Nelnet. It  all began in   XX/XX/XXXX . My family  had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mai l in  XX/XX/XXXX  a bout my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to  Nelnet. I nev er received confirmation that I was approved or denied. The letters stopped and I did n't worry.  In  XX/XX/XXXX  I re ceived a letter informing me th at Nelnet was  reporting me to the credit reporting bureaus because I had passed th e 90-day late payment mar k. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a yea r. Since  XX/XX/XXXX , I  have been told that no such " forgiveness '' exists and I have been told that I was contacted in   XX/XX/XXXX  via  email address that was provided by my schoo l in  XX/XX/XXXX . I  asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just  XXXX  it up and deal with the damage toy credit.
Product: Credit card or prepaid card

On XX/XX/2019, I reported a possible purchase fraud ( Actually it was my purchase ) for {$1700.00}. After Citi bank finished fraud investigation, Citi bank posted double charges to me. I contacted Citi bank many times and also vendor ( XXXX ). The vendor told me only charged once but Citi bank declined investigation with the reason of the post date beyond 60 days. When I claimed duplicated charge at early XX/XX/2019, it was already beyond 60 days ( initially posted on XX/XX/2019 ). But Citi bank still asked me to offer further information. I provided all information during XXXX and XX/XX/2019 period. But Citi bank sent me a letter on XX/XX/2019 to say it was beyond 60 days. The vendor sent me email letter on XX/XX/2019 to say only charged once and ask me to let my bank to file duplicate charge. I contacted Citi bank many times and each time representative always let me wait 7 to 10 business days. 
My XXXX credit statement only posted single charge. But XXXX statement became double charges. Citi bank representative understood the problem but told me the decision depends on investigator. So that it becomes call-wait-call-wait.