23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Late fees, disputes fee with 30 days, was no respond and late fees veries in amouts from XXXX and than in a diferentes sstanents it shows XXXX very strange.. Was not disclosed to me any if this ..Intrest discrepsancy
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : Account Name : 5/3 Bank NA Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Accounty Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Number : 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 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 an 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

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, remove 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX, XXXX XXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Product: Credit card or prepaid card

On XX/XX/2019 Chase bank closed all of my credit accounts to include a personal and2 business credit cards. One of the representatives informed me it was due to my recent credit usage and lack of credit history. When I explained that my credit has not significantly changed since the first card was opened 12 months ago or in the 3 weeks since the most recent business card was opened, I was then informed that the accounts were due to information provided by law enforcement and the representative refused to provide further information. 

At the time the accounts were closed there was almost {$15000.00} in my Chase Business checking and savings account, which is enough to pay all of the chase debts in full. Within the last 60 days, I have paid down around {$5000.00} to one of my Chase cards and have grossed over {$60000.00} through my Chase business and checking accounts. There is no reasoning why Chase could assume that I would be unable or unwilling to pay any of my debts. I feel it is a violation of the CARD act of 2009 to make a significant change to a credit card account such as close the account without 45 days notice and I feel it is a further violation of the Fair Credit Act to refuse to provide a detailed reason as to why a credit account or application was denied or closed.
Product: Vehicle loan or lease

On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX and my vehicle was totaled. The vehicles loan is with Bridgecrest. This was a brand new vehicle, I had not had it even a month. I also had Gap coverage through XXXX. The insurance company totaled the vehicle, and sent payment. the payment was sent on XX/XX/XXXX and was posted by Bridgecrest on XX/XX/XXXXXXXX XXXX has sent the gap payment. It was received by Bridgecrest on XX/XX/XXXX and has been senting on the system - pending. They will not credit the account. I believe this is an effort to force more interest to be paid. It has been a week. I have contacted service and advised that it would be XXXX more hours for the payment to post - no explaination as to why. Bridgecrest needs to post the payment instread of seeking additional funds.
Product: Credit card

On XX/XX/year> i reached out about a payment plan for the credit card ending in XXXX. I requested for a payment plan to keep the account current. I also submitted duplicate complaint for a cease and desist to be put in place. I have been struggling financially and I am on a fixed income and I am barely making it. I would like to go on a payment plan to bring the account current. And I saw a late fee of {$29.00} on the account
Product: Mortgage

I have been calling freedom mortgage to make sure my land taxes were paid. I was told in XX/XX/year> they were paid. I received notice in XXXX they were never paid. I have called over and over, week after week. I was told they got it and it would absolutely XXXX percent be paid XX/XX/XXXX. My taxes still remain unpaid and I can not get an answer. Im at risk of losing my land and need help. I have paid my mortgage on time each month. Meaning I have already given the money to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request deletion of account as information is not accurate per FCRA 611. Plus this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

XXXX  Report This is account is being reported twice on XXXX  as XXXX XXXX XXXX  Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

TransUnion Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.
Product: Debt collection

This a waste of time and a frivolous attempt to collect an UNVALLIDATED debt that I don't owe Covergent Outsourcing. 


This is the account numbers Listed in there Letter Client Account # XXXX Convergent Account # XXXX
Product: Mortgage

After signing all our loan docs on XXXX/XXXX/21 and the loan was " funded '' the loan agent texted me onXX/XX/2021that we needed to bring in another {$4500.00} into escrow or they were going to resend the loan. They explained that it was due to the down payment assistance program XXXX not being the amount they had told me. It feels like a bait and switch situation has occured. We were completely mis-lead. The lender knew we had the funds as it was one of the requirements of the down payment assistance program we they qualified us for. The loan agent was XXXX XXXX CA License # XXXX XXXX XXXX and the lender was Snapfi , IncXXXX NMLS # XXXX. We did take the money in as we felt we should go ahead and close on the house considering how difficult it was to actually buy in this market and try to get our money back after the fact.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries within the past year that someone is applying for a car loan I did not authorize or in the market for getting a car loan. I recently contacted the credit bureaus in regards & was told that they can not be removed I have to wait 2 years for them to fall off my report XXXX XXXX XXXX inquiries XXXX XXXX inquiries Equifax XXXX inquiries I have requested for old addresses be removed ignored as well as collection companies that fraudulent & they have been ignored I have called, wrote letters & nobody is doing anything they are reporting inaccurate information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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 XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : 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: Debt collection

XXXX XXXX with Integrated Mediation Solutions refuses to mail me any information on the payday loan in question, as requested. She is calling my HR Department, my husband, my children, my elderly parents stating " that this call is pertaining to a claim that is prepared to be filed in XXXX XXXX and wants to speak with me before the attorney network group does proceed for judgment wage garnishment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my Federally protected rights under the FCRA. I contacted Equifax today letting them know the account XXXX XXXX should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to XXXX XXXX but Equifax said they submitted paperwork saying it mine which is inaccurate. Equifax credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Debt collection

In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Product: Debt collection

This company is notorious for buying outdated collection accounts and then breaking the law by getting judgements against them in order to gain more time and use aggressive tactics to collect additional money far beyond original debt owed.
Product: Debt or credit management

Will like to get report off credit accounts, Bankruptcy is still on my report
Product: Debt collection

In XX/XX/2017 I was experiencing a great deal of pain in one of my XXXX. I went to XXXX XXXX. After an evaluation to fit me for a XXXX XXXX I was in favor of. The XXXX told me he could not save XXXX XXXX and would have to pull it. He ended up XXXX XXXX XXXX and I was left with huge XXXX in my XXXX. I am very upset about that procedure and I will never go back to XXXX XXXX. 

I went to XXXX XXXX in hopes of getting assistance so I could eat, talk, and smile. After many XXXX   visits I received a XXXX XXXX. It is/was SO very painful. I went back 6 or 7 times to have it fixed but finally was told they were not responsible for the XXXX. 

I talked to an attorney and he advised me and I did take the actions he suggested. I requested a Fair Credit Billing and was told by Synchrony Care Credit that they contacted XXXX XXXX. XXXX XXXX said I signed the sales receipt. Synchrony Care Credit said they can not judge the quality of the services. They release the disputed amount in the XXXX XXXX favor. Also I signed up for a promotion purchase to have the payment and interest rate the same through the repayment of the loan and I am not getting that. That is why I started this whole procedure. I had terrible service and I can not get a repayment plan I was promised ( attached is the statement with the Promotion Plan and my current charges ). The promotional plan is taken totally off my account. 

Can you PLEASE help me get fair treatment at least on the repayment of the terrible service? 

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

XXXX will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX  I called XXXX and they would not remove the unauthorized Inquiries.
Product: Checking or savings account

I had a scheduled ACH come out of my account for {$470.00} and it made my account go negative XXXX so they sent the payment back. I saw the payment failed and I made a debit card payment to the company so my electric wouldnt get shut off. Then I saw a couple days later that the electric company went ad retried the old payment even though I made the payment before then. I contacted the bank and filed a dispute against the ACH to get it credited back and removed from my electric account. I told them repeatedly the transaction was an accident from the company and that my account is not compromised or anything. They put it under review and I have called COUNTLESS times and talked to so many people, they assured me the money was credited and would be reflected in the account ( still is not weeks later ) and also that they are closing my account. I tried to take out the money I had in it and they wont let me do that either. My electric company already has the payment off my account so it makes no sense what citizens did with my money. And when I went in person to ask again, the clerk was told theyre not allowed to give me any details other than its closing and Ill receive a check. But nothing has happened and the money still isnt there. They refuse to give me actual answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. XXXX XXXX XXXX has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with Equifax and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. XXXX XXXX XXXX was added to my Equifax report in XX/XX/2022 but I received the first letter from XXXX XXXX XXXX XX/XX/2022 so that doesn't make sense either. XXXX XXXX XXXX and Equifax has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.