23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEBT BUYER XXXX XXXX XXXX XXXX. 
VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT 15 U.S.C. 1692e. 807 FALSE AND MISLEADING REPRESENTATION SUING DEFENDANT IN THE NAME OF ORIGINAL CREDITOR : I. INTRODUCTION 1. Plaintiff, XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, has filed a Motion for Summary Judgment seeking to recover the alleged debt owed by the Defendant on a loan agreement based on the fact that there are no genuine issues of material fact and that Plaintiff is entitled to judgment as a matter of law. 

2. Defendant respectfully opposes the Motion for Summary Judgment, as there are genuine disputes regarding the material facts including Plaintiffs legal standing to bring this suit against the Defendant due to ownership rights to the debt and current litigation is prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation.

II. FACTUAL BACKGROUND On XX/XX/XXXX, Defendant executed a personal loan agreement with XXXX XXXX, and funded by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, New Jersey XXXX, in the amount of {$12000.00}, with obligatory monthly payments of {$290.00} to be paid for a term of 60 months and first payment being due on XX/XX/XXXX. 

Around XXXXXXXX XXXX XXXXXXXX Defendant defaulted on the loan due to an ongoing financial hardship as the result of job loss in late XXXX and then assuming caretaking duties for a family member. On or around late XX/XX/XXXX, XXXX XXXX reported the account for the loan as a charged off debt to the Credit Bureaus and subsequently sold the debt to XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, Plaintiff, XXXX XXXX XXXX XXXX, who is not a party to the lending agreement, served debt collection lawsuit on Defendant. 

Genuine Issues of Material Fact Exist Regarding the Validity of Ownership of the Debt Plaintiffs, XXXX XXXX XXXX XXXX, standing to bring debt collection litigation against the Defendant is prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation as follows : a. Plaintiffs evidence in the form of the loan agreement Section 1. Promise to Pay : Parties to the Loan Agreement are the Defendant and the lender XXXX XXXX XXXX. Plaintiff is not a party to the loan agreement and has no standing to engage in the collecting of the Defendants debt. 

b. When Plaintiff, XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX, filed this suit with the XXXX XXXX XXXX XXXX it had no legal standing to do so. The Defendants loan debt through XXXX XXXXXXXX, was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX, six months prior to the filing of the suit against the Defendant. 

c. On XX/XX/XXXX, Defendant received an email from XXXX XXXX XXXX, XXXX Director of Recovery Operations, advising Defendant to call XXXX XXXXXXXX XXXX 

d. Based off email communications with XXXX XXXX and XXXX, Defendant believes that the XXXX XXXX XXXX in conjunction with XXXX is engaging in unfair debt collection practices prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX XXXX # XXXX Account Number : XXXX # XXXX - BALANCE {$4400.00} Account Number : XXXX XXXXXXXX XXXX # XXXX Account Number : XXXXXXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX # XXXX - BALANCE {$2700.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. 
Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

I've made more than the minimum payment due for these accounts but still incurred two late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to Barclay 's to correct their error and no response was given.

I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed and or reinserted disputed items despite the evidence I provided, causing ongoing harm to my credir standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates rederal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Mortgage

Wells Fargo Mortgage has delayed closing on the sale of property and will not tell the closing attorney or the buying/selling agents what is necessary and needed to complete the file. We continually supply documentation, same documents multiple times and can get to straight answer as to when we will be complete. This has been approx 60 days in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX XXXX XXXX  who appear on my credit file as XXXX XXXX XXXX numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did I authorize or give permission. they are a result of fraud. It is also listed as a finance company within the inquiry info. 

the listed contact information I have on the company is XXXX XXXX  XXXX  XXXX Tx XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Small Business
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Credit Karma indicating that my account is locked. 

I have asked Credit Karma the reason why my account is locked and to give me access to my funds because just because I filed a dispute does not mean my account has to be locked unexpectedly. I have also been issued a new debit card when I initially filed a dispute. 

I utilized the help function in the credit karma mobile app to reach customer service by filling out a form and providing a lot of personal information. However, their representatives keep asking me to provide personal information via email in order to help me.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding what I believe to be an unlawful garnishment of my wages by Scott and Associates, based in XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, Scott and Associates garnished my wages in relation to a debt owed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they submitted a release of debt order to XXXX XXXX District Court, effectively releasing the garnishment. 

However, on XX/XX/XXXX, Scott and Associates submitted another order to the court, attempting to garnish my wages again for the same debt that was already released in XXXX. I find this action to be unlawful and in direct contradiction to the release of the garnishment previously filed with the court. 

I am requesting your assistance in investigating this matter and ensuring that no further unauthorized garnishments occur for a debt that has already been released. 

Thank you for your time and attention to this issue. 

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

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint regarding my Pentagon Federal Credit Union Credit Card Account number starting with XXXX with a 30 Day late reporting. I do not recall being late and according to my research dealing with late payments, because of COVID 19 and The Hero's/ Care 's Act, this should have not been reported.
Product: Credit reporting or other personal consumer reports

I have been trying to freeze my credit with Equifax for the past 3 months. Everytime I login to https : //my.equifax.com and navigate to https : //my.equifax.com/membercenter/ # /freeze I get an error message of " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This occurs every time I login try via their online tools. I have tried clearing my browser cache and also tried on several different devices, i.e., XXXX XXXXXXXX, etc. but it is always the same error. 

I then try calling their customer care line, but is basically placed on indefinite hold waiting for an operator to answer my inquiry. 

It is basically impossible to freeze/unfreeze my credit report with the available tools made by Equifax currently .
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within XXXX days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( Experian, XXXX  and XXXX  ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

1. I have had my student loan since 1993 no loan forgiveness have had the unfair forbearance of compounding interest with an approximate XXXX loan over {$90000.00} still in repayment and down to {$35000.00} I have paid so much interest. 
My problem is I have got such bad information about loan forgiveness from what I have read I qualify but I have not seen a thing. 
I hear Biden/Harris commenting on how much they have given I have yet to see it. 
At the rate I am now I wont have this paid off until I retire. Thats sad.
Product: Credit card or prepaid card

storage was broken into in XXXX XXXX  NC filed a police report in XX/XX/XXXX XXXX credit card was opened in XXXX with XXXX XXXX called and closed Credit line was XXXX and it was fraud checked the XXXX account and 1 XXXX XXXX XXXX inquiry was done on XX/XX/XXXX a XXXX fortiva card was openend XX/XX/XXXX with a XXXX XXXX  card has been charged on already balance XXXXXXXX XXXX XXXXXXXX card opened in XXXX with a {$300.00} limit balance on that card is XXXX XXXX There is also a alias on my credit ( XXXX XXXX XXXX ) address reporting as fraud to the cards are XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

Wells Fargo closed my deposit account and paid unauthorized charges, they responded with read your account agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX # XXXX {$610.00} XXXXXXXX XXXX  # XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have asked these companies to validate and send prof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done so. the consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the report relates according to 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : MO FAMILY SUPPORT DIVI - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Back in XX/XX/XXXX to maybe XX/XX/XXXX I had a bank account with Wells. Never had an issues until they were authorizing transactions in my account without my consent. I went in and let them know to stop any and all further recurring transactions and that didnt happen. At the time I was a college student, so I didnt have enough money to cover all overdraft fees. Eventually, it led to me closing the account. Only to find out they had opened another account without my consent when I thought they had closed it out. From there, I just let the account be and I never went in to close it or continue having a relationship with them. I dont know what happened to my account but I never used it.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.