23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The two companies are, ( XXXX ) and ( DESIGNED RECEIVABLE SOLUTONS INC ). I have filed a police report regarding Identity Theft and fraudulent debt collection as a result of identity theft. The police report was filed and reported to ( XXXX XXXX XXXXXXXX XXXX XXXX ), located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX. I am currently disputing this matter with ( XXXX ) credit reporting agency and ( Designed Receivable Solutions Inc ) collection agency. The assumed amount of fraudulent debt requested by ( DRSI-Designed Receivable Solutions Inc ) is ( {$2500.00} ). I have submitted the full police report to the above agency demanding this fraudulent debt collection account be deleted and removed due to identity theft of my ( Name, California ID Number and Social Security Number ) being used for fraudulent purpose. I asking that both agencies immediately remove and delete from their Data Base fraudulent debt collection due to Identity Theft, in my name and personal information related to me. 
Thank You
Product: Debt collection

I had asked for the CFPB help me in gathering supporting documents from CKS PRIME INVESTMENTS of this alleged debt. I haven't received any documents from this company only letters from the XXXX credit bureaus ( XXXX, XXXX and XXXX ) stating that this account was verified. How can CKS PRIME INVESTMENTS and the credit bureaus verify not validate this alleged debt when. This company ( CKS PRIME INVESTMENTS ) has another company ( XXXX ) attempting to collect this alleged debt on their behalf. I received a letter by mail state such action on XX/XX/2021.
Product: Student loan

Hi, I 'm  XXXX   XXXX  a college graduate in  XXXX , AZ. I started college at  XXXX  with no real knowledge of student loans or how it works. My school told me that sallie mae was about the only option I had for payment. So I went with it. Everything seemed golden until I graduated college and it was time to pay it back. I have {$58000.00} in loans fro m Sallie Mae  which with interest is at over $  75,000+ I cu rrently work at   XXXX     XXXX   making just about {$30000.00} a year. The enormous monthly expense of {$780.00} a month is impossible for me to pay. I have had no luck with sallie mae being willing to assist me on this matter, by either helping reduce my interest, consolidating my loans, extending my loan life to render smaller payments, and even declining forbearance while still being within their policy limit.     So essentially I have this heavy life ending debt hanging over me with no option but to default and essentially ruin my financial future.     It 's a shame how we go to school in want for an education only to end up worse off than those who do n't even go to college. Something 's got to give ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

wallet was stolen that had my id and ssn card along with bank cards. my life was altered when they began to use what they could. THERES ALOT OF INQUIRES I DIDNT GIVE PERMISSION TO DO.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code XXXX  1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 
NAMES, ADDRESSES, EMPLOYERS, COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNTS, XXXX XXXX XXXX  CHARGE OFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report 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 behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
Product: Credit card or prepaid card

Captial One employee agreed to hold account and stop any charges while account access issue resolved. I filed two complaints regarding restoring access, meanwhile they are charging my account contrary to their verbal agreement ( witnesses and ref number of call available ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.
Product: Debt collection

I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Product: Debt collection

I recently was billed by my local XXXX doctor regarding charges for services I did not receive in the total amount of {$210.00}. Because of my failure to pay for services not rendered this office turned over my outstanding bill and all of my medical records to Gulf Coast Bill Collections out of XXXX, FL which is a direct violation of confidentiality and HIPAA laws. I am writing this letter to inquire where I would turn to for help in resolving this matter. Please contact me with any information possible as to actions I should take from this point forward or who could be of assistance. Thank you for your time. 
Contact Info. -
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account inaccurately reported by Portfolio recovery Assoc to XXXX. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement.

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders. 

3. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ). 

Actions Requested : Immediately instruct XXXX to correct the account reporting to reflect its status as a collection account. 
Remove the 120 days past due designation as it is inaccurate. 
Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to verify the date of first delinquency, please delete this record from my consumer file or credit report. 

For accuracy of this account, please review and send me verification of the purchase agreement from the original creditor along with the complete statement 's record for this account.
Product: Mortgage

I was just told that Mr. Cooper is now servicing my mortgages I was not given any disclosures, This company has a horrible history of taken peoples homes during the foreclosure process. I do not give consent for this company to handle my home account. they have been harassing me sending me correspondences 3-4 times a week since they demanded payment. I have yet to see and paperwork transferring this loan or I have not given my consent. They have not sent me a dividend check in regard to this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed A XXXX  XXXX Bankruptcy back on the XXXX of XX/XX/2020 due to hard times In my personal life. I contacted The XXXX credit reporting agencies after seeing My credit consumer report still reporting as tho if Never filed. This has been going on for over 2 years. Since then it has caused me and my opportunities to receive loans to help me rebuild my credit consumer profile. The same went for disputing inquiries that I did not authorize. 

Transunion or XXXX has yet to fix my Credit report resulting in more hardships when trying to apply for new credit to help re established my credit after My bankruptcies discharge.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed that there are a lot of inaccuracies on my credit report. According to 15 USC 1681a ( XXXX ) a ) Accuracy and fairness of credit reporting, XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please fix all my personal information and correct it from my credit report. My name that is on XXXX right now is XXXX XXXX  XXXX which should not be like that on there it should ONLY REPORT : XXXX XXXX XXXX. On Equifax it is reporting wrong as well which it says currently : XXXX XXXX XXXX which is wrong it needs to say : XXXX XXXX XXXX. My address reporting on XXXX is currently WRONG AS WELL : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, this is the correct address that needs to be on their ONLY : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. XXXX its reporting wrong as well : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. The Correct address is : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. Equifax it also has the wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, the Correct address is : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. All Previous addresses must be DELETED IMMDATELY. My employer on XXXX is reporting wrong also : XXXX XXXX XXXX, the CORRECT ONE ONLY SHOULD BE REPORTING IS : XXXX XXXX XXXX. XXXX is also reporting the wrong employer : XXXX XXXX, the CORRECT ONE IS : XXXX XXXX XXXX. Equifax is also reporting the wrong name as well : XXXX XXXX XXXX, THE CORRECT EMPLOYER IS : XXXX XXXX XXXX. PLEASE FIX ALL MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX  and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a 30-day late payment. 
Misapplication of Payment : Payments for XXXX, XXXX and XX/XX/XXXX were sent and processed on time, but were not properly credited to my account due to an internal error by XXXX, leading to the incorrect reporting of 60-day and 90-day late payments. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that all payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I found a XXXX post for 4 tickets @ {$100.00} each to the XXXX playoff game XXXX XXXX vs XXXX XXXX for XX/XX/XXXX. I texted the contact phone number for the listing and the person said the tickets were still available. He asked if I was familiar with quick pay with XXXX and XXXX. I said I knew XXXX, but not familiar with XXXX. I found out that Wells Fargo had XXXX incorporated into my account, which made me comfortable that I was using a namebrand bank to support this in case something went wrong. So, I transferred {$400.00} via XXXX from my Wells Fargo bank account to his email : XXXX I actually spoke to him and he said his name was XXXX XXXX and that he had tickets for his kids, but wasn't able to go. So, I transferred the money and confirmed he received the money via text. 

He then asked for my email address to transfer the tickets. He said they would come momentarily, but they never came and no further response my repeated calls and texts. 

I called Wells Fargo IMMEDIATELY to stop the transfer and report the fraud. They said they would get the process started, however I just received a letter from them that they had done an investigation and discovered that their transfer was not in error. I hadn't asked them to investigate that, but rather informed the agent that I was scammed and needed the transfer to be reversed IMMEDIATELY, but they said they would have to complete an investigation first. On XX/XX/XXXX, I received a letter stating that the investigation was complete and they would continue to investigate. When I called the Wells Fargo Help Number the kind women stated that they investigated the transaction to determine if Wells Fargo or XXXX had made a mistake. I stated that I was submitting fraud or theft and they said I should contact my local police department as XXXX didn't have that function. What!!!??? a namebrand bank doesn't protect users from Fraud or  Theft? Needless to say, I am upset. I submitted a case to XXXX as well and want to file a complaint to CFPB as this type of Fraud seems to be increasing at an ALARMING rate and that Wells Fargo should inform its users so that they aren't victimized like I was and many many others. 

Summary : XX/XX/XXXX, XXXX for Football Tickets ( XXXX XXXX vs XXXX   XXXX ) contacted user at @ XXXX Transferred {$400.00} to XXXX Seller on Friday XX/XX/XXXX Upon confirming funds were received, I requested the tickets Seller asked for my email address, which I gave No tickets were transferred to my XXXX account and no response to any of my texts or calls that night
Product: Debt collection

Halsted Financial Services is harassing me by calling me multiple times between XXXX every day looking for someone that is not me. When I told them to stop calling they say ok and or just hang up before letting me get another word in. I've also called them and told them that the calls come in from a spoofed number XXXX in which I can't even call back because instead removing me from there call list they blocked my number and nothing is said from the robo call it just hangs up. 

Most agents refused to give me the company they worked for and it took me 3 to 4 calls to actually get someone to say that and where they were located. They call me from multiple phone number ID 's instead of there XXXX number. XXXX & XXXX XXXX are the two numbers just today that they used. 

I'm guessing Instead of removing me from there call list they only remove me from that specific account. I'm not that person and should NEVER be called because I don't have any debt in any agency. I've added my phone number for all calls to be recorded so I'll be attaching that to further cases if this harasment doesn't stop.
Product: Debt collection

I received a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX