23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This XXXX XXXX XXXX  account with a balance of {$1600.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX  and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Back in XXXX I went in to lease a dog, not a rental unit. It went into collections but the company XXXX put it under as a rental in XXXX. I just found out this month of XXXX when I tried to apply for XXXX rental units in XXXX XXXX. Ive been denied to both units once on XX/XX/XXXX and once on XX/XX/XXXX, both naming the company Credova and that Ive been behind on rental payments. Ive tried submitting proof to both rental properties that it was for a puppy store, but they further told me Id have to dispute it. Ive since been in contact with Credova, who has then told me to contact XXXX XXXX their financial department, who has then told me to contact XXXX XXXX XXXX the third party company who bought out the account. Each party all stating its a regular collection. XXXX XXXX XXXX is the only company to provide a letter stating its a regular collections for a dog, and only XXXX of the XXXX bureaus XXXX accepted the letter. XXXX and XXXX has still denied it and still says rental. Weve tried making a complaint through them but both has denied us.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAIN Acting as a debt collector Account Resolution Corporation is in violation of FDCPA several times. I notified them on XX/XX/2021 and XX/XX/2021 with notarized certified mail return receipt. Below is a list of the violations I alerted them of when I sent them a Cease and Desist, Affidavit of Truth with Exihibits of all violations, and invoice. I documented 18 violation they are criminally and civilly liable. Account Resolutions Corporation is civilly liable based on 15 USC 1692k. Below are the violations contained in the the Affidavit sent and the number of times each was 15 USC 1692 ( e ) ( 10 ) violated 8 times 15 USC 1692 ( b ) ( 2 ) violated 10 times Account Resolution Corporations failure to respond to the notice within 30 days is in itself a violation and warrents immediate removal of all deragatory marks from my credit report. 

Attached to this CFPB complaint are unnotarized copies of the notarized documents sent to Account Resolutions Corporation on XX/XX/2021 and XX/XX/2021. My affidaviat, cease and desist, and invoice are included. I have with held the exhibits because there are 16 pages todate and will continue to learn of more violations as Account Resolution Corporation is obviously in sevre violation of numerous sections of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I after multiple partial payments I was contacted to submit a late payment. I called back that same day and spoke with a representative who approved my payment amount and future payment arrangement. She advised that because I was submitting payment and making arrangements there would be no negative hit to my credit. I was transferred to submit payment via phone, which I did. Two days later I notice the same balance. I submit payment again via internet. The next day I receive a call to collect more. I was advised that there were no notes in the account pertaining to any payment arrangement. I was transferred again to set up arrangements. This was completed. The next day I see that my credit reports were down 50+ points. I call back. The representative advised that there were no notes regarding the 3 previous interactions. I was transferred again to complete the payment arrangement request. The rep told me that I had done everything needed, he saw the notes and that they [ the company ] didn't do their part in emailing me the new agreement. He then drew up a company complaint and filed it for me stating that arrangementwas needed due to COVID layoff and maternity leave lack of income - same as I told every other representative I spoke with. I received the new arrangement via email and signed it while we were on the phone. 
To this point, I've been denied housing due to this credit report hit that we have seen and all of this due to company negligence, as I advised the reason I needed to make sure my credit was not effected and was assured multiple times that it would not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was added to my Experian Credit Report as of XX/XX/XXXX in error : XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$75.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$75.00} Balance Updated XX/XX/XXXX The reality is : I paid {$150.00} on XX/XX/XXXX
Product: Debt collection

I paid this payday loan off awhile ago... it still states I am behind and owe the full amount. I've filed complaints but it's still on my credit report
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Company above sent me one letter in XX/XX/year> regarding a judgement that the office entered in the superior court Civil Unit. Prior to this notification, I was never informed nor contacted for any payment arrangements and/or settlement of the account. This company proceeded in freezing my bank account funds on XX/XX/year>. I dont have access to anything. I am a single of XXXX XXXX under the age of XXXX and I need access to my bank account. This is beyond unlawful and its causing my children to suffer, because I dont have access to my funds to care for them. 

Furthermore, I have been attempting to contact this law firm for over two weeks, I have left messages and even writing emails and I dont get a call back.
Product: Credit reporting 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.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

WEBBNK/FHUT ****
Product: Credit card

I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not XXXX of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * TransUnion & XXXX. 

XXXX XXXX credit bureau division has tried multiple times to insert the account to TransUnion and XXXX since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance.

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.
Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.
Product: Credit reporting or other personal consumer reports

Information was compromised in the Equifax XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX ( CLOSED ) XXXX charge off XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX : {$96.00} ;
Product: Debt collection

On XXXX/XXXX/XXXX I was in a nearly XXXX. I was in a XXXX. When I awoke from the XXXX, I was in a civilian hospital in Colorado. When I was let out of the hospital, I was XXXX by an XXXX, Colorado Sheriff 's deputy. Unbeknown to me I had been XXXX ( No XXXX or any other paperwork was available to me upon regaining consciousness in the hospital ). During my hospitalization there had been a court date - which I had not been able to attend for obvious reasons. The court did not know of my disposition and issued a Failure To Appear warrant. 
At the time of XXXX, I was still in XXXX Upon XXXX the Deputy took me to the local XXXX ( against my will - again, I was under XXXX ). 
This bill remains on my credit report. I have been speaking with Wakefield and Associates regarding this bill. Wakefield and associates attempted to bill the Veteran 's Administration ( I am a XXXX Veteran and my medical coverage is through the VA ). The VA responded by denying the claim, stating that the government entity which had arrested me was responsible for the payment. 
I have spoken at length with " XXXX '' of Wakefield and Associates. He has been emailed a copy of the letter from the VA showing that I was in an " incarcerated '' status. Although he understands that the bill is the responsibility of the XXXX XXXX XXXX Sheriff 's Office ( XXXX ), he has stated that he will keep it on my credit report. 
Wakefield and Associates refuses to invoice the XXXX. 
They have not given me an invoice for the reason of attempting to contact the XXXX. 

Additionally ; I have sent a formal request for information to Wakefield and Associates via certified mail. As per the Fair Debt Collections Practices Act, I requested Wakefield to provide the following information ; \ 1 ) A signed and dated contract between XXXX ( The original debtor ) and Wakefield and Associates. 
2 ) The updated and correct vendor information for Wakefield and Associates. 
3 ) A copy of the entire medical record for which billing is claimed on my credit report 4 ) Documentation of billing and charges including fees and interest 5 ) Full accounting for where each bill was received for the duration of the account. 
** This formal request was sent via certified mail on XXXX/XXXX/XXXX ( request and proof of mailing attached ) ***Wakefield and associates replied in a letter dated XXXX/XXXX/XXXX BUT THEY DID NOT PROVIDE THE INFORMATION REQUESTED ; Which indicates a possible violation of the Fair Debt Collections Practices Act. 
****XXXX has indicated that he is not willing to bill the XXXX, though he states that the XXXX should be contacted by me ( again, Wakefield and Associates has not provided me with an invoice for XXXX ) Wakefield and Associates is unfairly reporting this medical bill to all three credit reporting agencies. 
Wakefield and Associates REAFFIRMED the information on my credit report RECENTLY -Is this a form of bullying/intimidation? 
Wakefield and Associates FAILED to respond in an adequate manner to my formal request for information. I am entitled to the information requested as per the law.
Product: Debt collection

I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows
Product: Credit reporting, credit repair services, or other personal consumer reports

I called first progress numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed a hard credit inquiry from sovereign mortgage company out of California. I have never spoken with or heard of this company, nor have I attempted to get a mortgage. I attempted to email and call multiple times since and have not gotten an email back or even been able to get through on the phone during regular business hours to find out why I have an inquiry from them. 
After these attempts I finally contacted XXXX to file a dispute and after doing so they told me to file a report through this agency.
Product: Prepaid card

I received a letter in the mail today. It had a supposedly prepaid debit card for {$25.00} from US Bank. I called US Bank. This is not a recognized card number. I believe this is a phishing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX  XXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; 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 Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/year> and XXXX XXXXXXXX XXXX XX/XX/year>. I am listing XXXX inquiry Fraudulent from my Equifax. XXXX  XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion and Equifax. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Equifax and Transunion mark listed inquiries as Fraudulent and remove from all my Equifax and Transunion Credit Reports.