23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the Seventeenth Judicial Circuit in and for XXXX XXXX XXXX FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX Modlin and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from Modlin and Associates at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are Navy Federal, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attachment documents and ID.
Product: Debt collection

I have contact Bull City Financial Services 2 times sending validation of debt. I have not received any information validating the debt in the amount of {$950.00}. I have sent certified letters 2 times and have waited the the 30 days each time, with no response from Bull City Financial. They are reporting on all 3 credit bureau 's. I have requested the item to be removed from all 3 credit bureau 's and they are still showing hurting my credit. I'm trying to buy a home and this is causing me such financial hardship. Please have have 3 credit bureau 's remove from my reports. 

Thank you
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Dear KIKOFF LENDING LLC I am writing to formally request validation of the debt referenced in your records under account number [ XXXX ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting loan approval from XXXX XXXX XXXX XXXX XX/XX/XXXX. I pulled my Experian credit score and it was XXXX on XX/XX/XXXX. 

Received a call back from XXXX that day saying that my score from Experian was XXXX??? That can not be. My pull from Experian says XXXX. I had car loan with XXXX in XXXX got paid off ahead of time, My XXXX visa card and credit cards get paid in FULL monthly, I, m {$8000.00} away from being mortgage free on a $ XXXX house, total debt is only $ XXXX. My mortgage broker says I have an excellent rating for a credit score. She doesn't understand either. 

To get a 1.99 % i need a XXXX score or above. They denied me that rate. They want to charge me 3.99 % .interest rate. This is not right. I want it looked into and tell me how they got ii
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on transUnion credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ).

Check the attachments below
Product: Checking or savings account

Subject : Complaint Regarding CFPB Case Numbers XXXX and XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally lodge a complaint regarding the handling of my case, identified by CFPB case numbers XXXX and XXXX. Despite my efforts to resolve the issues directly with the involved financial institution, I have encountered significant challenges and require your intervention. 

The crux of my complaint revolves around unauthorized deductions made from my Wells Fargo account ending XXXX, totaling {$31000.00}. These deductions were executed without my consent or knowledge, leading to severe financial distress and hardship. 

Upon raising my concerns with Wells Fargo Bank, I received a response dated XX/XX/XXXX, along with a signed application agreement. However, the response provided fails to address the key discrepancies and inaccuracies in their handling of the matter. 

The bank 's assertion that I am personally liable for the deductions due to my purported role as an owner/guarantor/signer on the account is entirely unfounded and erroneous. I wish to clarify that I visited the bank on XX/XX/XXXX, solely to open a new account, as recommended by the bank representative. At no point did I agree to assume personal liability for any loans or lines of credit associated with the account. 

Furthermore, the bank 's refusal to provide documentation regarding their research into the matter, despite repeated requests, demonstrates a lack of transparency and accountability on their part. This refusal to cooperate has only exacerbated the distress and uncertainty surrounding the situation.
Product: Checking or savings account

An ongoing ( since XX/XX/13 ) online and mobile banking outage at VyStar Credit Union has left members unable to check their account balances and is interfering with their ability to make payments,
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago, 56 to be exact, I notified the credit bureaus of inaccurate items on my credit report and asked them to verify the items they claim to have verified. This process has been very stressful due to the fact they never reply in a timely manner. I feel like I am being taken advantage of and feel as if I need to take this matter to court. I need help with these problems and stress they are putting on my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a payoff statement on XX/XX/XXXX. The amount was for {$7000.00}, which included the recording and assignment fee. I have wired those funds. The mortgage should be paid off. On XX/XX/XXXX, Dovenmuehle Mortgage , Inc. sends me a message with a payoff statement strangely backdated to XX/XX/XXXX saying I owe {$12000.00} plus the recording fee and additional interest of {$40.00} for paying off the mortgage by XX/XX/XXXX. They provided no explanation for this significant difference in payoff statements or why on XX/XX/XXXX they provide a payoff statement from XX/XX/XXXX. Why is it backdated? This looks more like fraud.
Product: Debt collection

I had a medical bill with a company named XXXX XXXX in XXXX of XXXX. The bill was not paid in a timely manner so it was sent to a collection agency called Choice Recovery in XXXX of XXXX. Within 30 days after Choice Recovery received the bill it was reported to my credit report on XXXX XXXX, XXXX. I contacted XXXX in XXXX of XXXX and asked if I could pay the bill off. The employee informed me that it was at a collection agency and that I had to contact them. I told her that my bill was with XXXX and not the collection agency. She refused to take a payment over the phone. I asked if I sent a money order in to XXXX to pay the bill off what would she do? She informed me that she would refuse the payment and send me the money order back. I waited several months before mailing a money order to XXXX to pay this debt off and they cashed it. I contacted the collection agency in XXXX and told them what I had done. 
I never paid the collection agency so why are they able to report to my credit report? 
Initially Choice Recovery reported a balance of {$130.00} and {$9.00} to my credit report. Now the collection agency is reporting a {$9.00} and {$6.00} remaining balance when there was a money order sent to XXXX for {$130.00} because that is what was on the bill. 
How can a collection agency report to my credit when they were not the ones that was paid? 
I have attached a copy of the bill, the money order and the information from the bank showing that XXXX was the one who cashed the money order. 
If you have any questions please contact me by mail at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX or by phone XXXX or by email at XXXXXXXXXXXX. 
Thanks in advance for helping with this situation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

File Number XXXX Date Issued XX/XX/XXXXXXXX  TransUnion sent mail addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This information is incorrect The proper way to address me is XXXX XXXX XXXX XXXX ( self aware living man ) c/o XXXX XXXX XXXX XXXX, Florida Near ; [ XXXX ] Let it be known to all that I, XXXX XXXX : Libonati explicitly reserve all of my rights. Pursuant UCC1-308 which was formally UCC1-207
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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  This Complaint will serve as a follow-up to my previous complaint
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 an alleged fraud or extortion.

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: Debt collection

Ive repeatedly disputed this collection from my credit stating that I had medi-cal insurance at the time and still do. They then began to perform a HIPAA violation give me continuous harassing phone calls and text messages. I have changed my phone number numerous times because of this.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/year> ACCOUNT NAME SELF FINANCIAL/LEAD BANK ACCOUNT XXXX # : ITEMS I ASKED FROM SELF FINANCIAL/LEAD 1.A PROPER INVESTIGATION ON ACCOUNT THAT IAM DISPUTING 2.PROOF OF PROCEDURE OF INVESTIGATION 3..MY WRITTEN CONSENT TO FURNISH MY CREDIT PROFILE NONE OF THESE ITEMS WERE PRODUCED THIS IS WHY THIS ACCOUNT MUST BE DELETED DELETE ASAP THANK YOU It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

I have a XXXX card with Barclay 's Bank. The customer hotline is XXXX. They have a promotion in which if {$1000.00} is spent within the first ninety ( 90 ) days of " opening '' an account, the customer is awarded XXXX " XXXX XXXX. '' My card was " issued '' in or about XXXX. I did not use the card for sometime, and first " activated '' the card by using the directions on the sticker of the front of the card in XXXX, XXXX. The sticker instructs the consumer to go to XXXX to activate the card. I interpreted the activation of the card as fulfilling the requirements of " opening '' the card, within the meaning of the terms and conditions of the XXXX points program. Having spent in excess of {$1000.00} in the first 90 days of opening the card, but not receiving the XXXX points, I called the hotline number referenced above. 

Barclay 's Bank has taken the position that the " opening '' of the card is the point at which the card is issued in response to the application. They have rejected the idea that the card is not " opened '' until it is " activated. '' I have reviewed the terms and conditions of the XXXX points program, and can confirm that nowhere in the terms and conditions of the program is the term " account opening '' defined. Despite making the point to Barclays representatives that the term " opening '' as applied to my situation is ambiguous and misleading, Barclays has refused to credit my account with the XXXX points that I have earned.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

HELVEY & ASSOCIATES INC are violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 
HELVEY & ASSOCIATES INC have used abusive, deceptive, and unfair debt collection practices.

HELVEY & ASSOCIATES INC have violated my consumer right to privacy, I NEVER gave them any my information directly and HELVEY & ASSOCIATES INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the HELVEY & ASSOCIATES INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my Portfolio Recovery ( Portfolio RC ) account ending in XXXX. Despite disputing these inaccuracies for over five months with Portfolio Recovery and the credit reporting agencies, no corrective action has been taken. Additionally, I have no recollection of ever doing business with this company or owing this debt. These errors are damaging my credit profile and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Unverified Debt : I do not recognize this debt, and Portfolio Recovery has failed to provide any verifiable proof that this debt is valid or belongs to me. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ), which requires debt collectors to verify a debt upon request.

Inconsistent and Inaccurate Reporting : XXXX and XXXX report this account as a Collection/Chargeoff with a balance of {$750.00}. However, XXXX has no information on this account. This inconsistency violates the requirement for accurate and consistent reporting under the Fair Credit Reporting Act ( FCRA ) Section XXXX23 ( 15 U.S.C. 1681s-2 ).

Failure to Correct Disputed Information : Despite multiple disputes, Portfolio Recovery has not verified or corrected the inaccurate information within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure constitutes a violation of my right to fair and accurate credit reporting.

Violation of Accuracy Requirements : Reporting unverified and inconsistent information violates the FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to ensure maximum possible accuracy of the information reported.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Request verification of any debt being reported by a collection agency. 
Hold furnishers and debt collectors accountable for reporting inaccurate information ( Section 623 of the FCRA and Section 809 of the FDCPA ).

Portfolio Recoverys failure to correct these errors and verify this debt is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Credit card or prepaid card

Todays date : XX/XX/2018 XXXX : CitiBank Credit Cards Forced by CFPB to Refund Cardholders : ( for deceptive marketing and incorrect charges associated with credit card add-on services ) So, I received a letter from Citi dated XX/XX/2018 stating that I was being issued a statement credit of {$520.00} and that I did not need to do anything in order to receive my refund. I have not received my refund. It also states that the refund was applied to my account. Citibank is holding my refund. How can this be legal? 
My account has been closed for years and Citibank, without serving me personally, took me to court and has a lien on my home. This lien is still active as of today 's date. 
The letter dated XX/XX/2018 has a contact number that I called to try and get answers as to why they have a lien on my property and holding my refund. 
I called and spoke to XXXX on XX/XX/18 approx. XXXX XXXX, I asked why didn't I get my refund? She said ; " we can not give you a check. Call Customer Ser. on the back of your card. '' Then I Spoke to XXXX, on XX/XX/18 she said ; " didn't know about refund. '' I was transferred to XXXX, who worked for a 3rd party " XXXX ''. He said call Customer Ser. they will be able to tell you how to get your refund on a closed account. 
I was transferred again to XXXX ; she said " you were transferred to the wrong dept. '' I was transferred again to XXXX ; she said, " I can not help you '', she was also from 3rd party " XXXX ''. 

Citibank already has a lien on my home, how can they now hold my refund? Citibank is still being unfair and deceptive. 

Please help me to obtain my refund,. 
XXXX
Product: Debt collection

Portfolio recovery services keeps harassing me about an account I have gotten repeated calls right after another within minutes of each other multiple times a day I have given them notice years ago to stop harassing me and no longer contact me and notified them they broke the ftc law of debt collections practices. I do not have any signed contracts with them. They have not provided proof on injured party or provided proof of anything also I was not notified of any collections to my address at all. Portfolio recovery services will be sued by my attorney for their illegal practices.