23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account # : XXXX Per 1006.34 Notice for validation of debts ; this account is not outside of federal validation period. 
I C SYSTEM You are not a creditor nor original creditor for this account. In fact, I C SYSTEM is a debt collector. I never had an account with I C SYSTEM. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. In addition, while the collector attempted to collect a debt that is not theirs, they broke 15 U.S. Code 1692k - Civil liability. 

I C SYSTEM please provide the contract signed between yourself I C SYSTEM & the original creditor, notarized and sworn under penalty and perjury for yourself I C SYSTEM ability to collect this alleged debt. 

This is a formal complaint that you are reporting inaccurate and incomplete credit information. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 
Once again per 1006.34 Notice for validation of debts this account is not outside of federal validation period. 

Verification is # XXXX in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with XXXX XXXX definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. 

In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. XXXX XXXX XXXX, XXXX Ohio XXXX XXXX. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed XXXX XXXX ; XXXX v. XXXX, XXXX App. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information, I have also attached the data breech valid claim information as this has been an ongoing issue and TransUnion continues to violate my rights. Keep in mind that this falls under the 48 hour window. 



XXXX. XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$210.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX  Balance XXXX {$450.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX. XXXX  XXXX {$0.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance of {$17000.00} XXXX XXXX Balance of {$1200.00} XXXX XXXX Balance {$1200.00} XXXX balance XXXX {$3100.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/VERIZO XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions is attempting to furnish an account in my name by contacting by mail in reference to a charged off debt from a finance institution. According to U.S. code they have no right to furnish any account without my approval rendering any 3rd party collector ineffective. I intend to file a cease and desist along with reciept ( according to U.S. code ) of transaction by registered mail.

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 an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3 where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I confirm with XXXX XXXX  that my account is paid in Full and closed back on XX/XX/2022. It is showing closed on XXXX on my new credit report... .but it showing " Open '' in Equifax XXXX 

I need Equifax to show this account is already paid and closed. 

I spoke to XXXX XXXX  and they said, it is a problem with the credit reporting agency. 
I need to file a dispute to get my credit report corrected. As far as they know... they sent out to all 3 agencies that my account was paid in full and closed and a refund for overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX
Product: Student loan

I graduated with approximately {$30000.00} worth of student loan debt in 2012. I was already working full-time as a XXXX  at the time so immediately tried to enroll in the PSFL program . Due to the fact that I made very little money as a XXXX, and I was eligible for the PSFL, I was enrolled in an income based repayment plan which stated I owed {$0.00}. Eventually, I made enough money not to qualify for this and to my shock, was also told that the payment plan I was in did not qualify for PSFL even though I was told that it did. Even though I owed {$0.00}, the interest on the loan was not forgiven so I essentially ended up owning more than I started with because of this repayment plan that was pitched to me as the savior and the easiest way for me to put in my 10 years of public safety and get my loans forgiven. Eventually I refinanced out of fed loan servicing into a private loan company because I was tired of being lied to and misled. Regardless of the repayment plan they put me on, every one except the standard 10 year repayment plan was structured to COST my more money than I was paying off. 

With the new PSFL rules in place, I feel like Fed Loan Servicing stripped me of the ability to have my loans forgiven, even though I have had 12 years of continuous public service and continue to do so. I had to make a choice between continuing to participate in a broken system that was never going to follow through with its promises or cut my loses and walk away. I don't know if there is any hope for help, but I feel like FedLoan Servicing acted intentionally and with malice in an effort to deceive me for monetary gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing my credit report I notice item in there that are erroneous and inaccurate listing. The Congress grant me the rights to dispute and correct what I know is erroneous from my credit profile.
Product: Credit reporting or other personal consumer reports

The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Also information inaccurate for XXXX  not mine. Equifax keeps saying they did investigation and account was not deleted!
Product: Debt collection

American Express ( Amex ) agreed in XX/XX/XXXX to write off 2 debts alleged owed by me Amex agreed to send me a 1099c at the time of this agreement i informed them to contact me by u.s.p.s only 58 times since this date they have contacted me by email which i understand by fed law if they break a cease and disist that they will have to pay {$1000.00} for each violation so after 18 times i send then a letter stating they violated federal law and owed me {$18000.00} and ask them where the 1099c is as i had not received it .As, retaliation against me, They then hire a lawyer and sue me in XXXX XXXX Ga state court, when in fact there is an abirtory clause in there contract. So i file an answer to their claim and counter sue them for 28 violations ( {$28000.00} ) at time of filing my answer in state court. The orignal lawyer amex hired stepped down after i filed my answer in court.They hire another lawyer to presue the case.As of today XX/XX/XXXX there is 58 violation of them contaction me thru email after they were told only contact me by u.s.p.s. only and 38 times after they hired a lawyer to sue me in court Im pretty sure once you hire a lawyer by federal law you are not allowed to continue to contact the other party you are sueing in a court.I have paper work to prove all i have stated
Product: Checking or savings account

On XX/XX/2020 I walked in to the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, CA XXXX and deposited 5 money order totaling {$2200.00} into my landlords account. On each money order there was an account number that belonged to my landlord. After receiving a receipt, it was discovered that the bank teller performed a key stroke error resulting in my funds being deposited into an account that belonged to an unknown person. After requesting this issue be resolved I was advised there was nothing that could be done by Branch Manager XXXX XXXX. She began to tell me that the error was discovered more than an hour later and as a result they are no longer able to reverse the transaction. I let her know I was unaware that there was an hour limit that has been set by the bank and explained it has been only 3 hours and the money order were still sitting at the tellers window with the correct account numbers written on them. She said she would be willing to file a claim, however, there is no guarantee that the issue will be fixed and unable to give a timeline. I placed a follow up on on today, XX/XX/2020, using the claim number provided to me and was advised by the representative the claim number is for an account that does not belong to me and as a result I am unable to inquire as to a resolution. At this moment, I am out of {$2200.00} with no one willing to rectify the situation that was caused by the branch teller.
Product: Prepaid card

I have Bank of America pre paid debit card that was issued to me from the XXXX and someone stole the information from the card, I believe after I used it at a gas station, and used that info to steal money from ATMs in a town north of XXXX where I have never been. They stole almost {$700.00} over the course of several transactions at XXXX different ATMs. Immediately after I discovered my bank account was drained to almost {$0.00} I notified the bank of the fraudulent transactions. After 'investigating ' BoA denied my fraud claim. I have never used the card at an ATM nor have I been to the places the cash was taken out. After they denied my claim the first time I filed a police report and an identity fraud report but the bank denied my claim two times. I am extremely upset by this and the fact that BoA is insinuating that I lied about this money being stolen from me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 confidentially 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 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX  so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX XXXX XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. 

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I filed a police report for identity theft with the XXXX Police Department on XX/XX/XXXX Incident # XXXX, with XXXX XXXX. The credit companies accepted my report and documentation that this bill was fraud. My credit went back to normal. Recently, I have again been billed by another credit company for the same utility in Texas. I am being asked, once again, to give proof that I did not move to Texas and incur this bill. I have lived at XXXX XXXX XXXX, XXXX PA XXXX for XXXX years, prior to that, I lived on XXXX XXXX XXXX XXXX, PA. I have never lived anywhere other than Pennsylvania. I have never been to Texas. I have been working for the XXXX XXXX XXXX XXXX since XXXX, which requires Pennsylvania citizenship. I use PP & L for electricity, always have. 

Today I called the collection agency ONLINE Information Services. '' I have more information this time about the fraud : Name of Company : XXXX XXXX XXXX Account Number : XXXX Amount : {$380.00} Address the utility was used at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date for bill : XX/XX/XXXX Type of utility : XXXX The woman I spoke with said whoever opened the account has my social security number and birth date. I would like this matter to be resolved. I would also like the utility company to block any new accounts with my name or social security number. 

Another police report was filed on XX/XX/XXXX. Incident # XXXX with XXXX XXXX. I was given an email to contact XXXX XXXX by the collection agency : XXXX. Phone number for the collection agency is XXXX.
Product: Mortgage

I have been contacting ASC ( Wells Fargo ) regarding a modification of my mortgage. Before I could provide proof of a change in my circumstance since my last review, they advised me that a new rule, which was implemented after I started this process, states that no modification would be considered on a loan that is in arrears for 3 years or more and had been offered a modification in the past. I was first told that this was an investor rule, then I was told that the rule was a CFPB rule. When I called CFPB, they said they have not heard of such a rule and that it was not a CFPB rule. ASC keeps giving me the run around and have not been able to confirm who 's rule it is. I left several messages for the person assigned to my case in the escalation department and have not received a call back regarding this question. The re-entry department died me without reviewing my change in circumstance but I keep getting letters that my file has been assigned to a Home Preservation Specialist, who keeps sending me financial worksheets to fill out, which is totally confusing me, why would they send it if they say I 've been denied. Every time I call to speak to the Home Preservation Specialist, the call center says they ca n't transfer me because I have to speak to the re-entry department first. I am frustrated and confused and just need consistent answers from someone who actually knows what they 're talking about. Please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX, I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have 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. 

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

I use XXXX XXXX for my credit information. Just a few months ago my credit on both credit companies ( TransUnion and XXXX ) was Excellent. After checking this month I have the same good reports for both companies EXCEPT the hard inquiries, especially Transunion. The 7 hard inquiries at Transunion includes multiple inquiries including XXXX/XXXX ( 3 ) dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX ( 2 ) dates XX/XX/XXXX and XX/XX/XXXX. I have not applied for or given permission for these two subjects to check on my credit, I have one credit card ( XXXX XXXX ) and one mortgage transfer to the local bank which would account for the large amt. The subjects mentioned above have nothing to do with either of these institutions. My concern is that in a matter of a few months my credit has be deeply affected ( from Excellent to Fair ) based on the fact that Transunion never questioned so many requests without a written permission from me. I have had several identity fraud problems in the past and feel that these hard inquiries are the start of another problem for me and also have affected my credit rating that I have worked so hard to obtain. I appreciate anything you can do for me. 
XXXX XXXX XXXX ( XXXX XXXX