23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX, agent XXXX of Pendleton Capital made contact with consumer. XXXX did not notify consumer that the communication was an attempt to collect a debt. XXXX did not disclose to the consumer, his rights under the law to dispute debt and/or his right to validate the debt. XXXX did make a false and misleading statement, specifically that there was a 'pending judgment ' for an outstanding debt - verifiably false. XXXX could not name the plaintiff and/or which court/state the action was taken. Pendleton Capital did not and has never provide written notification to the consumer of the existence of the alleged debt. Phone call 1 was an incoming call from agent XXXX. Phone call 2 was an outgoing call to agent XXXX by consumer in an attempt to gain disclosure. Agent XXXX verified there was no judgment pending against consumer, verifying agent XXXX did in fact make false and misleading statement in an attempt to coerce consumer into a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXXXXXX XXXX I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an erroneous item on my credit report listed as XXXX XXXX. The item was previously reported on my credit file as a duplicate entry. The correct account was conveniently deleted. As such, I have disputed the incorrect item for months. I filed a CFPB complaint which resulted in more of Equifax being allowed to ignore my Consumer Rights. So, I requested that a statement be added to my credit report. Equifax has willfully ignored my request. Here are the details ... I noticed a statement on my credit report that I did not request to have added so I called and inquired about the information. I was told as a consumer it was my right to add a statement. I advised the Agent the statement on my credit report was not added by me and to remove the statement that reads, " I have not trade business with this company. '' dated XX/XX/XXXX. I speak fluent English and this is not a statement I would say or request to be added to my report. The Agent agreed to remove the statement. I received written communication dated XX/XX/XXXX confirming the statement was removed. I had already mailed a letter with the statement I did want added to my credit report. At this point, it was a matter of allowing Equifax to update my file. When I looked at my credit report today not only was the statement I requested to be added not on my credit report, but the statement that had been previously removed was back on my report. My rights per the FCRA are being ignored. The derogatory item on my credit listed as XXXX XXXX still has incorrect information. Example : The last payment date being reported is XX/XX/XXXX. There was no payment made by me or anyone on my behalf XX/XX/XXXX because my car was paid off XX/XX/XXXX. The first date of delinquency is reported as the same date of the last reported payment XX/XX/XXXX. How is this possible? You make a payment and go delinquent the same day? There is a comment suggesting the account is included in a COMPLETED Bankruptcy. I am not associated or involved with a completed Bankruptcy. This is additional INACCURATE information. Since Equifax claims the Bankruptcy was verified via XXXX I contacted XXXX to investigate the item. The results of the investigation? The XXXX Bankruptcy item was DELETED from my Consumer Report by XXXX. Equifax is aware of this fact and is still reporting this inaccurate, incomplete, and erroneous item and WILL NOT add the statement requested to my credit file. It is my right to add a statement to my credit file and I should not have to file a CFPB complaint to point this out.
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX  : Account # XXXX Fraudulent Account : XXXX XXXX XXXX : Account # XXXX Fraudulent Account : XXXX XXXX XXXX : Account # xxx Fraudulent Account : XXXX XXXX XXXX Account # XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Debt collection

never received a collection notice on account being reported to my credit report, found out about collection account from pulling credit report, This collection company is in violation of the FDCRA 15 U.S. Code 1692g - Validation of debts This company has not sent the required information to me, 1 ) the right to dispute 2 ) who is the original creditor there address amount claiming I owe and any supporting documents, If they don't remove the unverified account and there trade line name from my credit report, I will file an affidavit in court for the violation, and request that CFPB, investigate the company for illegal collection activity and violations of FDCRA,
Product: Debt collection

Genesis Credit Management LLC XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Demand for Removal of Collection Account from Credit Report Dear Genesis Credit Management LLC, I am writing to formally demand the immediate removal of the collection account referenced below from my credit report. This letter serves as a follow-up to a complaint I filed with the Consumer Financial Protection Bureau XXXX CFPB ) on XXXX XXXX XXXX  regarding your continued reporting of this debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). The CFPB complaint number is XXXX 

XXXXAccount Information XXXX XXXX XXXX Account Number : XXXX - Amount : {$6100.00} As stated in my previous communication, under section 805 ( c ) of the FDCPA, once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease communication, the debt collector must immediately cease all communication, including reporting the debt to credit reporting agencies. The only permissible exceptions to this rule are : XXXX. Advising the consumer that the debt collectors efforts are being terminated ; 2. Notifying the consumer that the debt collector or creditor may invoke specific remedies ordinarily invoked by such debt collectors or creditors ; 3. Where applicable, notifying the consumer that the debt collector or creditor intends to invoke a specific remedy. 

To date, I have not received any such notifications. Despite my prior request and the complaint filed with the CFPB, Genesis Credit Management LLC continues to report this account to credit reporting agencies, which is a clear violation of the FDCPA. 

I demand that you immediately remove this account from all credit reporting agencies and cease any further communication regarding this debt. Failure to comply will result in further legal action, including, but not limited to, escalating my complaint with the CFPB and seeking damages for continued violations of my rights under the FDCPA. 

I expect written confirmation of the account 's removal from my credit report within 15 days. 

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Account doesnt belong to me and I would like to have it removed from my credit report asap
Product: Mortgage

I refinanced my home with Sun West Mortgage in I believe, XXXX or XX/XX/2022. I also cancelled my home owners insurance with XXXX XXXX XXXX on XX/XX/2022. In XXXX and I signed with XXXX XXXX. I received a letter from Sun West stating they received two claims for homeowners insurance payments. I called Sun West and verified my cancellation with XXXX XXXX but Sun West had double paid to XXXX XXXX and XXXX. Then In XXXX I again received a letter from Sun West Mortgage stating they double paid again. I called Sun West and cleared it up again. I filed a complaint with The XXXX  XXXX. Of XXXX : Consumer Complaint for XXXX XXXX. I also filed a complaint with CFPB against XXXX XXXX XXXX ; Complaint ID XXXX. Since that time Sun West has not been sending me my payment coupons. They have been calling me and in their verbal disclosure they are threating foreclosure on my house with this statement " We are a debt collection agency and whatever you say can be used for that purpose ''. I have made every payment and in fact have made extra payments to my principal. They have not resolved my issues and in fact continue to threaten foreclosure. Please investigate their business practices and ethics.
Product: Debt collection

Calls every day, threatens lawsuit and harasses my workplace and will not come to an agreement on anything as I am trying the best I can and the negativity and embarrassment above all is detrimental to everything I have going for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter XX/XX/XXXX which is a FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not due its due diligence in accordance to the FCRA, they are simply parroting information from their XXXX system. 
I have contacted the original creditor ( OC ) per Experian, the OC is XXXX/XXXX # XXXX.The OC has furnished a letter to me, in turn I have furnished the letter to Experian during the dispute process, the letter categorically states " XXXX has NO APPLICATION/CONTRACT ON FILE FOR THE ALLEDGED ACCOUNT ''. 
Therefor this alleged account DOES NOT ARISE FROM A CONSUMER CONTRACT PER THE FCRA. 
Experian has blatantly continued to violated 15 US 1681 of the FCRA and should sanctioned
Product: Debt collection

I have had my phone number for 15 years and only my wife and I pay for this. Neither my wife nor I have anything to do with the debt. I have an adult family member with the same last name who is XXXX and XXXX kept dinging them {$40.00} per month even though full bill and interest was all paid. This complaint is not about that as that is the family member 's issue. The account was sent to collections at United Collection Bureau. The total amount of ~ {$400.00} for this family member was sent to them on the XX/XX/XXXX of the month saying it was the XXXX or XXXX. Then they offered pay terms if delivered back and received by the XXXX of the month. It's a bit hard to do that when they get it then. Again, that is not the issue. The next month, in XXXX, the family member ( not my wife or I ) got it on the XXXX or XXXX for payment on the XXXX. They said you could go online to pay. This family member does not have the money so I went online to pay for it. Options were put in a bank account number ( not likely given XXXX XXXX reputation ) or pay with a credit card. I entered in my credit card information ( and again, am not associated or a cosigner for the original debt ). It wanted my phone number so I refused. It would not go through. So, I begrudgingly put in my phone number, but it was my XXXX number which very few people have. I pressed pay again and it refused. The Collection agency called within a week on that number but wouldn't talk to me but the family member. The family member called back and they said they don't take credit card payments ( then why do they offer it ). 
The complaint I have is that they took my phone number and put it in their system when the phone number said it was only needed for processing a payment. This is false representation. I then received at least 3 phone calls ( XXXX, XXXX, XX/XX/20 ) from XXXX  even though they knew after the first one I was not the party whom collection happened. My phone number in question has been registered on the do not call registry. Thus, this is a violation as I have no business with them ( since they refused payment ) and the number is on that list. I would like full penalty payments to apply. Misrepresentation of collection of data and violation by calling a number on the XXXX list when there is no debt by me or my wife ( the owner 's of the phone number ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act Account Name : XXXX XXXX Account # XXXX / Account Name : MECHANICS BANK XXXX XXXX  Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : The debt collector : XXXX XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have not given permission for XXXX XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore the specific creditor ( XXXX XXXX  ) must be removed immediately from Equifaxs database on my credit report because it is a violation of 15 U.S. Code 1692c-section b. All third parties trying to collect associated with XXXX XXXX must also be removed from the credit report because it was a violation of 15 U.S. Code 1692c-section b. 

XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported : XX/XX/XXXX Comments : Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Vehicle loan or lease

( Proof of sale ) Auto Receipt/ Auction Receipt FULL copy of Original Contract. refuse provider any information and validation of this loan.
Product: Debt collection

CREDIT COLL XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Mortgage

In XXXX of 2021 I reached out to Ameri save to refinance my home. I informed the processor who was assisting in handling my account application that I was interested in getting my home refinanced through them to save money in order to pay for school. 

The processor was more than helpful and super friendly especially when I informed her that I was a law enforcement officer for the state of New Mexico. The friendly behavior continued up until I consented to her company drafting {$500.00} dollars out of my account to lock in a mortgage rate in order continue to the application process. 

During this time, I was task with following up after days and sometimes going weeks without hearing from the processor. At one point I was contacted by another processor who was attempting to get me to pay more money out of pocket. I immediately asked for both processors to contact me to figure out what was going on and why they were asking for more money. The original processor contacted me via telephone apologizing, however never correcting the issue with the miscommunication. 

On XX/XX/2021 I received an email from her informing requesting for me to contact her immediately while stating, all we need is a survey to close on your loan. I left work to get this done and sent the information over to her. I then went weeks without hearing from her. 

On XX/XX/2021 I was finally able to get into contact with her via telephone. She tells me that I was the not approved for the loan. I informed her that I no longer wished to continue with their services after expressing how this was just a waste of everyones time. I requested for my money to be refunded she informed me that my money would be refunded in the next 7 to 10 business days. Well 16 business days have pass and I have not received anything. 

I am not sure at this point if this would be considered fraud since at this point, I am not sure if this is a legit company or if this should be a Civil suit that is filed.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, USAA I have submit a fraud claim of multiply transactions. USAA i declined the fraud claim due to the illegal activity using my address. I believe that these charges should be credited back to my account. USAA is violating t 15 U.S.C. 1601 et  seq. Especially, the provisions Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed