23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ability Recovery services have created a derogatory account on XX/XX/2019 and XX/XX/2019 according to XXXX. On XX/XX/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits. 

The letter was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Your Abusive and Malicious Conduct Dear Sir/Madam : I am disputing the alleged debt to XXXX XXXX. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX,  verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

I dispute this debt because I do not owe this debt. As someone who currently attends University XXXX Pennsylvania XXXX XXXX, it is highly unlike that I would attend XXXX XXXX, a school that is often attended by those without high school diplomas. 

Because I am disputing this debt, please notify the credit reporting agencies that the debt is disputed and delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1692, et seq.

Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. 47 U.S.C. 227, et seq. Thank you.

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

I contacted TransUnion on XX/XX/2021 to ask them to dispute inaccurate inquiries on my credit file. After being on the phone for almost an hour, the representative refused to submit a dispute. Under FCRA I have the right to dispute anything on my credit file that I feel is untrue and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. 

Please provide breakdown of fees including collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already, this is the 3rd time and filing a complain about this same account and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. Account Name : XXXX XXXX Account XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year> I have attached a screenshot of email from company confirming this loan has been paid in full. this screenshot also contains loan payment confirmation reference number.
Product: Debt collection

I am not liable for this debt with NCB MANAGMENT SERVICES plus they did not provide me with the original application like I asked. 

Account No:XXXX  Amount Disputed : {$2600.00}
Product: Mortgage

I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.
Product: Credit card

I have had Macy 's AmEx credit card for several years. I pay the account in full, on time. On XX/XX/XXXX, I opened the statement for the period ending XX/XX/XXXX, found that my account had been hacked. Several charges posted in XXXX, XXXX, along with foreign transaction fees. I called immediately, was informed the account would be closed, all fraudulent charges removed, a new card issued. I told agent there were eight days between the statement ending date and my receipt of the statement so there would likely be more charges. First statement for new account, period ending XX/XX/XXXX, included the hacked charges from XX/XX/XXXX-XX/XX/XXXX ( the previous account ). I spent two hours on phone with fraud unit while they supposedly removed those charges from the new account. However, next statement carried $ XXXX+ past due charges. More calls and a letter ( with every statement showing my charges and payments ) ; finally a message from them that everything was resolved. However, the XX/XX/XXXX statement shows that I still owe {$98.00}. I have paid all the legitimate charges every month so that {$98.00} is carryover from the hacking charges and fees. I canceled this card in writing ( not sure they did that ) and would like this resolved.
Product: Vehicle loan or lease

I previously contacted you about this situation. XXXX from Credit Acceptance advised me to call them and that the problem with the extended warranty cost will be refunded against my loan. I just contacted credit acceptance and they have no idea what I am talking about. I would like this taken care of and the derotogatory marks on the credit report removed. I need to get this done. Thank you
Product: Credit card or prepaid card

Comenity closed my XXXX card after I paid the full balance without any explanation or reason.

I did nothing wrong.

I would like my card reopened or the XXXX card or inquiry/account removed from my credit report.
Product: Checking or savings account

I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  XX/XX/XXXX .
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  RETAIL Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct 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 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: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused. 

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

LCI is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX  XXXX XXXX Georgia, which is false. I have included a letter, from the XXXX XXXX  XXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
LCI  is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.
Product: Checking or savings account

On XXXX XXXXXX/XX/23 I deposited a check for {$22000.00} through mobile deposit. The account showed the entire amount was immediately available. I called USAA to verify this and once it was verified, I initiated a wire transfer for {$18000.00} to pay for a business I am in the process of buying. Over the weekend on XX/XX/23, I received a call saying the check was being looked at for fraud. As this check was issued by XXXX and came from a XXXX loan I took, I explained the situation to USAA and after several hours of going back and forth, I was told the problem was resolved. On XX/XX/23 the wire went out as scheduled. On XX/XX/23 the wire was withdrawn from the receiving bank by USAA. When I called to get it fixed, USAA indicated it was because someone did not close out the previous matter. They said it would take XXXX business days to resolve the issue and until then not only was the wire withdrawn, but my checking account was frozen. This action is damaging my personal and professional reputation, potentially my credit score, and my access to my other funds in my checking account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : Please remove 6. The inquiry was XXXX  XXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX
Product: Mortgage

To Whom This May Concern, I feel that the escrow department of US Bank is harassing me about a issue from a past encounter with not validating my insurance policy. I summitted all the required information as ask by US Bank and the escrow department took over 6 months to respond and when they did they stated they would check the information and get back to me. After several months of not having this issue resolved I filed a complaint with US Banks Customer Advocacy Department and the issue was resolved in my favor. 
Now a year later I have received a letter from the Bank stating I basically havent paid insurance for a year an I need to pay {$1600.00} dollars and my new monthly payment will increase by {$200.00}. Ive reached out to the escrow department by phone and have been told that this issue is the insurance department and when I contact the insurance department they say its the escrow department. I have again filed a complaint and have gotten no response. 
This issue is harassment and they are raising my mortgage payment and have did so for this month ( XXXX ) right at XXXX. We are on a fix income and how can this issue arise at this time if its not on propose to harass us. 
I have enclosed all the paperwork that was sent to this establishment. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nevada XXXX XXXX XXXX
Product: Checking or savings account

Some person or persons illegally accessed my accounts online and transferred funds to unknown accounts without my knowledge or permission. Despite my complaints to the bank, I seemed powerless to stop the thefts until the account was drained. 

The bank is now refusing to refund my money, despite a police investigation and my sworn Affidavit of Loss! 

Please help me get my money back!
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency RESOLUTION SERVICE, Collecting on behalf of XXXX. I am not aware of this contract and it does not belong to me. I requested verification of debt and account on XXXX XXXX, 2017 and the business failed to provide proof. Because of that, I am not responsible for the debt.
Product: Money transfer, virtual currency, or money service

Unauthorized Funds Transfer into my account of {$1000.00} Unauthorized XXXX transfer out of {$1000.00} Unauthorized Funds Transfer into my account {$300.00} Unauthorized XXXX Transfer out of {$1000.00} Unauthorized Funds Transfer Return {$1000.00} Unauthorized Returned Item Fee : {$5.00} Unauthorized Funds Transfer Return {$300.00} Unauthorized Returned Item Fee : {$5.00} Account was hacked, address and phone number changed. Funds stolen via XXXX. USAA wants to keep MY funds saying I am liable even though i had nothing to do with this and have been a customer of USAA for 13 Years as a XXXX Veteran.
Product: Debt collection

I am disputing the inaccurate information on my credit report regarding my account with XXXX XXXX XXXX XXXX. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. *see attachment* Document password - XXXX