23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt is not my. Credit collector is refusing to process dispute to validate debt. 

I never drove a car or own a car in the state of Maryland. 

The collector is refusing to validate the debt and file a dispute. 

There is No evidence that this debt belongs to me I dont know how this debt becomes available in my name. I didn't give permission for my name to be associated with any car. 

Therefore this debt looks like identity theft or fraud and I'm seeking fully valid of identity regarding this matter of law. 

This debt collector has contracted me before XXXX XXXX and after XXXX XXXX and are refusing to file a debt with the creditor. 

Harris and Harris are pursuing me for debt that I dont own that may be connected to identity theft or fraud and hasn't valid the identity. 

I'm being mislead by Harris and Harris that this debt is mine. 

I'm requesting a debt validation regarding deceptive behavior under the fair debt collection practices act regarding my identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I uploaded a dispute letter to XXXX XXXX, requesting specific information on how they verified the accuracy of the bankruptcy reporting on my credit report. 

Public Record Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Specifically, I requested that Experian provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request and the provision of my driver 's license, a copy of my Social Security card , and proof of address, I have not received any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my credit file number with Transunion is XXXX. I have written TransUnion credit bureau more than once concerning this problem of incorrect addresses on my credit file and other incorrect personal information on my credit file. They are reporting my childhood address as well in which I have not lived in over 30 years. I have asked them over and over to remove address and they REFUSE TO REMOVE INCORRECT ADDRESSES. I am requesting again. Transunion gives all kinds of excuses why they refuse to remove extra addresses. I have attached a copy of my ID and my Social Security card. Ive also attached a copy of mail thats dated with in the same month we are in now which is XX/XX/XXXX. I am the consumer this is my consumer credit file and I should know what should be on my credit file or not definitely things or addresses or items from years past should not still be appearing in XXXX. Hopefully this information will not be outsourced like everything else. In other countries like XXXX, XXXX AND PLACES IN XXXX XXXX with all of my personal information being compromised. Thats the other thing Consumers information has been compromised through Trans Union at no fault of our own. They are willing to outsource our information TO STRANGERS and refuse to believe who we say we are even when they have been given evidence of our identity. I have asked TransUnion several times to REMOVE the below addresses : REMOVE THESE ADDRESSES XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX XXXX. XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX The only address should appear on my credit file is XXXX XXXX XXXX XXXX Texas XXXX REMOVE ALL PHONE NUMBERS XXXX XXXX REMOVE INQUIRIES XXXX XXXX XXXX XXXX  INQUIRY APPEARS 3 times REMOVE ALL SEND AN UPDATED CREDIT REPORT VIA MAIL WITH ALL DELETIONS AND CORRECTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED. 

This is a violation of my rights and is subject to {$1000.00} in damages or more. 
Please send me a copy of my consumer report upon deletion of this inaccurate account. 
I will CC the CFPB and the FTC, my Local Police department. 

Sincerely XXXX XXXX.
Product: Vehicle loan or lease

In XXXX I was unable to make my monthly payment. I was unaware of that till my last paycheck of the month. I spoke with representative that stated attempted to pay what I could. In an attempt to gather funds I just didnt have enough. I called spoke with a representative named about doing a loan modification. I was told this would place that payment on the back end of my loan. This would also prevent any late remarks on my credit report. After signing the electronic loan modification my loan was marked as delinquent. One representative told me it would which is why I did the loan modification however the company told me since they processed it late XXXX it would still be reported as late.
Product: Checking or savings account

On XXXX my account was hacked by someone named XXXX XXXX Chime/XX/XX/XXXXXX/XX/XXXX doesnt let you know if your account has been compromised via email, text, or App notification. I was unaware of the fraudulent activity until the morning of XXXX when I checked my account and funds had been removed. The person that gained access to my account was able to transfer {$1200.00} from my savings account into my checking account, then proceeded to send themselves that same {$1200.00} using the Pay Friends feature. This feature is fairly new. You are able to send anyone money instantly if they have a chime account as well. There is no 2 step authentication to make sure its really you sending the money. My money was instantly transferred to XXXX XXXX I have made a police report, Made a statement to the XX/XX/XXXX and contacted the federal reserve of this matter. This incident has happened to many people. I have posted in Chime banks subreddit, and read other forums of this situation happening to many people. Most of the time these individuals arent getting their funds back because chime doesnt think there is any indication of fraud. But it sounds like to me Chime is supporting this behavior and its unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

If the following items are not removed in 4 business days TransUnion will be in direct violation of 15 U.S. Code 1681c-2.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 


Fraudulent account : XXXX XXXX XXXX ( Account Number : XXXX ). Fraudulent inquiries : XXXX  ( Date : XX/XX/XXXX ), XXXX ( Date : XX/XX/XXXX ), XXXX XXXX XXXX Date : XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge XXXX to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants has been trying to collect a debt of {$320.00}, which on XX/XX/2018 I sent a letter disputing this debt. 
The Letter was delivered certified mail and signed for on XX/XX/2018. The credit report was never listed as disputed. I have retained a copy of the signature and date of receipt, as well as a time stamped copy of my credit reports. 
I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Diversified Consultants. Diversified Consultants had 30 days to comply or remove this from my credit report. As of this date XXXXXX/XX/2018 I have not received any such evidence.
Product: Mortgage

Was closing on a home with Wells Fargo, witch took them 1 month and 3 weeks, 4 days before I closed got a phone call saying the loan failed and Id have to find another lender, I went to XXXX XXXX thy had me in the home in 3 weeks, just heard from Wells Fargo for the 3rd time, they only want to give me half my money back the loan did not go thru to no fault of my own, I will never do business with them again, I just want my money back. approximately {$700.00} dollars. My contact person with wells fargo is XXXX XXXX XXXX XXXX XXXX ex XXXX XXXX and trust me I am screaming at the TOP OF MY LUNGS to anyone who will listen to what a horrible experience I had withwells fargo. i have some documentation but will have to mail them.
Product: Student loan

XXXX XXXX  is reporting I have missed 3 payments and now they're saying I owe over {$5000.00} for missed payments. I was in a payment plan of {$50.00}, which was being made through my job each month. I was unaware the plan had ended and suddenly received a bill for nearly {$1000.00}. I am unable to pay that amount for a student loan payment. I immediately reached out to them attempting for clarity because my original agreement of the {$50.00} payment plan was supposed to last until XX/XX/year>. I desperately need these late payments removed from my credit report to be able to purchase a home. I have sent further documentation requesting to be placed back on a payment plan but I am still awaiting an answer. In the meantime I need these late payments removed.
Product: Mortgage

Tried to make mortgage payment XXXX through SPS portal I could not remit mortgage payment. Requested SPS to amortize my escrow shortage over XXXX  months they have refused to work with me. Don't want my home mortgage status to be in pre-foreclosure because of mortgage servicer not servicing my mortgage-by-mortgage requirements. I have experienced this issue before with SPS several months ago.
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.

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. 

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have 100 % left to pay on this collection. 

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 Info Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account. 


Account Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Account status- Open Type- Derogatory Responsibility- Individual Remarks- Account information disputed by consumer, meets FCRA requirements Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Accuracy The balance and/or past due amount are/is incorrect. 
There were fraudulent charges made on this account.
Product: Debt collection

This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Product: Mortgage

My mortgage company, Nationstar, has been charging my escrow account for an add-on insurance, which I did not sign up for. I have been trying for several months to get it taken off but they say they can not remove it without a cancellation letter yet NO ONE can find an additional policy under my or my husbands name - hence, they can not produce a cancellation form for me to sign, HENCE, they can not remove the charge. I am at my wits end!!! I have spoken to XXXX people at Nationstar customer service, Nationstar escrow department and the add-on insurance companies over the past months, all of whom I have documented names, dates and times of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call Discover. 

Around XX/XX/XXXX I spoke with a Discover account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe Discover didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX XXXX  theyre handling for me. I asked her to take a payment on my Discover account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with Discover. When I spoke with Discover rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.
Product: Vehicle loan or lease

In XXXX i requested a loan from American First Finance bank which i paid in full, i even have the payment invoice and the confirmacin of the clased account .I called personally to make the Last payment and asked if l owed {$13000.00} because it appeared in the report from a unin which they told me that l had no debt and today i called and if they confirmed that te debt is not mine, for which i confirm that i have been victim of fraud
Product: Debt collection

I FAXED THIS COMPANY A CEASE AND DESIST LETTER AND THET STILL CONTCT ME ON MY CELL PHONE XXXX XXXX AND MY WIFE XXXX XXXX
Product: Credit card

Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.
Product: Credit reporting or other personal consumer reports

An account I had open with Affirm was charged off as a debt, I paid it in a settlement agreement with the collection agency. Affirm has refused to report it correctly to XXXX for over 90 days. And I have disputed it numerous times through XXXX website and it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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

As result of the reported XXXX XXXX hack at Equifax, unfortunately, my name and personal information is part of that XXXX. I have been trying for a few days now to contact Equifax XXXX via website and available phone numbers ) and request a " credit freeze '' -- unfortunately, I am not able to process the request through their website and can not get through to any customer service person to assist me in this matter.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}
Product: Debt collection

Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed fromXX/XX/XXXXand XX/XX/XXXX however have not been removed from XX/XX/XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws. We do not know what to do anymore because we have attempted so many times to handle this issue and these companies including the bureaus are not following FCRA laws that should protect us from this.