23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g Sec. 809 ( b ). 

Please provide the following information : XXXX. Proof of the original debt : A complete and detailed account statement showing the amount owed and how it was calculated. 
XXXX. Proof that you are legally authorized to collect this debt : A copy of the agreement between your agency and the original creditor that grants you the authority to collect this debt. 
XXXX. Verification of my liability : Documentation that establishes my liability for this debt, including any signed agreements or contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX, TX
XXXX

XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation:  student loan never late XXXX XXXX
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

HIPPA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan was paid off without our permission. I know that normally this would be a good thing but our circumstances warrant a different emotion. 

Last year, in XXXX of XXXX, our home was sold in an XXXX sale that we had no idea was taking place. The XXXX was from XXXX XXXX XXXX XXXX over a personal loan that was not associated with the loan and no documents show XXXX XXXX XXXX XXXX having any liens or judgments against the property. But was somehow they were still able to sell our home to XXXX XXXX and XXXX XXXX, XXXX individuals, the attorney for Founders was acquainted with. The loan that XXXX claims went into default back in XXXX was for a little over XXXX. 

We contacted Fay Servicing at least XXXX times or more explaining the situation and asking if they could do anything. We basically we told they would do nothing and we had to keep making the mortgage payments. If we didn't make the payments and the home went into foreclosure, they would come after us for the money. This didn't make sense because we told them XXXX had already XXXX on the property which meant Fay Servicing would then XXXX a XXXX time on the same property. This can't be legal, if it is, it doesn't make any sense at all! 

Now fast forward to XXXX, we start getting calls from Fay Servicing 's XXXX attorneys asking about payment and threatening XXXX. When we told them the home was already XXXX and not in our possession, they had no knowledge of what we were talking about. Turns out, Fay Servicing didn't take any notes on all the times for months that we called for help. 

XXXX and XXXX 's attorney emailed us asking that we obtain a copy of the payoff for Fay Servicing so that they can sell the home. They wanted an authorization letter giving them permission to obtain the payoff which we advised them we were NOT going to provide. 

Now fast forward again to a few days ago. We call Fay Servicing and learn that the loan was paid in full. We never called or gave anyone authorization to call our behalf for the payoff and Fay Servicing claimed it wasn't in the system which isn't hard to believe considering they don't take notes. 

We are planning to sue both Fay Servicing and XXXX for fraudulently obtaining information from our account.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

I was speaking with a XXXX Solder and he told me details about the Omni lawsuit and how he was supposed to receive a check from the settlement. But I have had loans with them in the past and received no such settlement or reach out to let me know anything about the suit. Please feel reach to reach me at my email address or 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 confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX | XXXX XXXX original Creditor XXXX XXXX XXXX XXXX | Account name : XXXX XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX & XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX   Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX Account number : 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED XXXX  TO DO A CREDIT REPORT UPDATE OVER 2 WEEKS AGO WHEN A I MADE LARGE PAYMENT TO SYNCB/TJX ACCOUNT. THE BANK HAS ALREADY UPDATED MY BALANCE WITH THE 2 OTHER BUREAUS, I CANT IMAGINE THAT THEY PICK AND CHOOSE WHICH BUREAU TO UPDATE. I AM VERY WELL AWARE THAT BANK REPORT EVERY 30 DAYS BUT I NEED THIS TO BE UPDATED SOONER, SINCE I AM IN A MIDDLE OF A MORTGAGE TRANSACTION. I NEED XXXX  TO UPDATE MY BALANCE WITH SYNCB/TJX. THEY ALREADY HAVE THE WRITTEN PROOF FROM SYNCB/TJX I HONESTLY THINK THEY ARE DOING THIS ON PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, XXXX has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports XXXX has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand XXXX show me the balance and return to me what is due with proper tax forms for my accounts.
Product: Debt collection

Every Day Portfolio recovery services calls to collect a debt for a Mastercard that is not mine. Every day they ask if the last XXXX of my social security is XXXX or something like that. Every day I say no it is not. They say we will call back tomorrow or are rude after that. Then hang up. Every single day. It is not my debt. I will never be the XXXX XXXX they are looking for. It is harassment to call me every day and I am tired of it.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to address a matter of concern that has come to my attention upon reviewing my credit report. It has been noted that there is a XXXX XXXX entry reported on my file. I have serious reservations regarding the accuracy and completeness of this information, specifically related to a XXXX XXXX XXXX, Reference number : XXXX In accordance with the Fair Credit Reporting Act, I am requesting your agency to verify the authenticity and accuracy of the reported XXXX XXXX. It is imperative for me to understand the source of this information and the method through which it was acquired and subsequently reported on my credit file. Should you be able to verify this XXXX XXXX I kindly request that you provide me with the following information : 1. The name and contact details of the entity or individual who supplied you with this public record.

2. A detailed explanation of the process through which this information was verified and deemed accurate enough to be included in my credit report. 

From my understanding the courts do not report or furnish information to the credit reporting agencies and the integrity of the information reported on my credit file is of utmost importance to me. My personal financial health and maintaining the accuracy and reliability of my consumer credit reporting as a whole is my top priority. 

I appreciate your prompt and thorough attention to this request. Ensuring the accuracy of my credit report is crucial, and I trust that your agency will take the necessary steps to verify this XXXX record entry and provide me with the requested information. 

Thank you in advance for your cooperation and understanding in this matter.
Product: Checking or savings account

I had a savings account with WellsFargo. The account was earning .25 % APY. The bank has a special promotion that if the customer deposits a minimum of {$10000.00} into the savings account the entire balance will earn 4.6 % APY for 12 months. To date, the account has not earned that interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

a collection account is not mine and is identity fraud. I am not the person who has this debt, I did not go to the hospital, I did not have this name, I did not work at XXXX XXXX, I did not live at this address, I am ot XXXX '' tall, I do not have XXXX XXXX, and I am 20 years older than this person. They keep assigning this account to new collection agencies who open it up as if it is a new account. I have been trying to get this off my credit report for months. If they keep opening it up as new it will never go away and it isn't even mine! It is seven years old to boot!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information Lvnv funding llc accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX and they are not licensed in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 an account from XXXX cards showed up on my credit report. I never had an account with XXXX neither was I an authorize user. I have sent letters repeatedly and I uploaded the recent letter they sent me. I need this remove from my credit report immediately. It is affecting my Transunion report only. It does not show up on XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate payment information on several revolving accounts. XXXX, Equifax, & XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I've contacted PHH Mortgage Servicing Company on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$69000.00}. I've never signed a contract with PHH Mortgage regarding this account. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked PHH Mortgage Servicing Company to delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. these accounts need verification and their late payments updated. 

Here are the aforementioned accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts from My Credit Report Dear XXXX, XXXX am writing to formally dispute the accuracy of certain items on my credit report. Based on recent documentation I have obtained from XXXX, it has been confirmed that XXXX accounts associated with my credit history have been deleted due to being unverifiable. I request that you promptly review and remove these accounts from my credit report to ensure that they reflect only accurate, verifiable, and fair information. 

The details of the deleted accounts are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX 2025 Creditor Name : XXXX XXXX XXXX - XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX2025 Creditor Name : XXXX XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX2025 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are obligated to investigate disputed information and remove unverifiable or inaccurate data from my credit report within 30 days of receiving this dispute. As XXXX has already determined these accounts to be unverifiable, I request that you immediately remove these entries from my credit report. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The continued reporting of unverifiable accounts violates these legal obligations. 

If these items are not removed promptly, I reserve the right to pursue legal action as outlined in 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and legal fees for willful or negligent noncompliance. 

Please acknowledge receipt of this letter and provide a written response within 30 days, detailing your actions regarding the accounts in question. I trust that you will act in accordance with your legal obligations to ensure my credit report is accurate and fair. 
Enclosed is the documentation from XXXX confirming the deletion of these accounts for your reference. 

Thank you for your immediate attention to this matter. If you require additional information to facilitate this process, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX Enclosures : Screenshot from XXXX confirming deletion of accounts Copy of my credit report with disputed items highlighted Copy of my government-issued ID for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, disputed errors with Trans Union that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Trans Union Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX XXXX incurred on XX/XX/2020, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Mortgage

I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.