23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you.
Product: Bank account or service

Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX MXXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX, NJ XXXX ) concerning an alleged debt for XXXX XXXX under XXXX XXXX # : XXXX. I disputed the validity of the debt with XXXX XXXX XXXX via e-mail and their online dispute form. According to XXXX XXXX XXXX : " If you write us by XX/XX/year> we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at https : //mrsbpo.com. 
Although I disputed this account and have not received any response, I am seeing a collection with XXXX XXXX on my Experian credit report. I also received no contracts to validate the alleged debt. I am submitting proof that my dispute was submitted before XX/XX/year> and so there should be no collection from XXXX XXXX on my credit repoit.
Product: Consumer Loan

The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.
Product: Mortgage

On XX/XX/XXXX I received a Notice of Transfer of my Mortgage Loan on XX/XX/XXXX to Mr. Cooper ( formerly Nationstar ). I did not receive a Notice from Mr. Cooper as they did not have my correct apartment number. I called the number on the transfer letter and set up my account and corrected the address. I have since received a delinquent tax notice from the XXXX XXXX  XXXX XXXX  XXXX  the taxes are past due as of XX/XX/XXXX and to submit by XX/XX/XXXX {$2200.00} including interest of XXXX. 

I have messaged them 4 times prior to XX/XX/XXXX and asked for confirmation. I emailed a copy of the tax bill to two different email addresses. The online site has one email address and the telephone message has another email address. I have attempted to call this evening XX/XX/XXXX and have been on hold for 1 hour before giving up. 

I spoke briefly to a XXXX at customer service ( 30 seconds ) and told him I was calling about my taxes not being paid - he then responded " you are calling about your insurance '' and I said NO, my taxes. He then put me on hold and then disconnected me. 
The phone keeps repeating thank you for your patience. The Mr Cooper site states " rest assured your taxes will be paid on time ''. 

This company should be fined for their practices. My escrow is sufficient to pay the taxes and they have failed to pay them on time - even with all my followup. 

Please can you help me?
Product: Credit reporting or other personal consumer reports

LAUNCH SERVICING , LLC is violating my right. See attached.
Product: Debt collection

I've asked BUDGET CONTROL SERVICES INC through a debt validation letter sent on XX/XX/21 along with a green return receipt to send me documents so that I can exercise my rights as a consumer to validate an alleged debt. BUDGET CONTROL SERVICES INC received the letter on XX/XX/21 and this debt collector BUDGET CONTROL SERVICES INC has not sent me any documents that I asked for they are violating my right to validate the alleged debt, I'm demanding an audit trail so I can validate the debt.
Product: Checking or savings account

On XX/XX/year>, I received an automated email that a business banking account was opened under my name with Chase Bank. I have contacted the bank immediately because it was because of identity theft. The bank later sent me a mail stating the account was closed.
Product: Mortgage

bank of America morg has remove funds from my acc. checking,, for any amount, anytime, no notification ... .i had boa fraud dept. retrieve my funds so many times,,, on record. also i pay my morg. payment on time not a minute late or a dollar short ... ... .. they say i default on payments,, but checking services claim i did indeed make my morg. payments. morg dept. will no except conformation #. all was resoled XX/XX/2015 ... ... i thought? boa start it again with it all the same trouble,, also a great foreclosure notice,,, expires XX/XX/2015. they now deny it and i always pay have evidence to back all claims. please help everyone says boa is insane! XXXX, XXXX XXXX I DONT NO HOW TO ATTACHED DOCUMENTS,,,,, BUT I HAVE A XXXXLB BOX FULL OF BOA DOCUMENTS,,,,, EVIDENCE ... CAN B MAILED
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy-XX/XX/XXXX I never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX, GA XXXX Transunion XXXX XX/XX/XXXXXXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspond
ence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violations of 15 U.S.C 1692g
Product: Credit card or prepaid card

I contacted XXXX about fraudulent charges that were made on my account and the customer service representative told me that they wouldnt be able to issue anew card or remove my fraudulent charges since the account was closed due to non-payment. I was unaware of this these charging that were made.. To my knowledge I didnt owe a payment because the account wasnt being used.
Product: Payday loan, title loan, personal loan, or advance loan

I have taken personal loans out from One Main Financial in XXXX Alabama. One particularly was in XXXX and the other XXXX. I did not want any additional coverage not required to be had for either loan but these additional coverages and fees were still added to my loan causing me to pay for unwanted services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

Equifax - XXXX  XXXX XXXX {$870.00} XXXX  - XXXX  XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on Equifax it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX says the account was charged off XX/XX/XXXX after being late for 90 days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize it. I am a victim of ID Theft please investigate and remove it from my credit report ASAP.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/23 I paid {$350.00} to XXXX XXXX XXXX in XXXX Virginia. That day and every day after the merchant and their tech support has tried to find the funds as it was not received in their system. I have tried to contact cashapp to research the obvious glitch that merchants are not receiving payments showing completed and deducted from consumer balances. They have hung up and refused to investigate including trying to have me complete a dispute form choosing a incorrect reason ( which is fraudulent and not truthful and will cause them to close my account and never research anything ). Please fine cashapp a violation of fair and transparent financial transactions. Also investigate how many other they have done this too. I cant dispute a valid and authorize charge I received the goods and services for but the merchant didnt get there funds and cashapp wont fix issue. My phone number is XXXX, cashtag XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX  {$830.00} Opened XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX
Product: Debt collection

I move out of an apartment in XXXX on my own accord. 
This law firm is coming after me for the alleged debt. 
I do not have a contract with the stated/listed agency. 
They claim they have a default judgment ( in XXXX ) but I haven't seen one yet. 
I filed a motion with the court to set aside because I am paying child support and the judge ordered a 60 day STAY on the case. 3 days later the attorney filed a dismissal in XXXX of XXXX. 
XXXX of XXXX they filed a continuing garnishment order in another county. I filed a traverse and upon the hearing the judge stated he didn't want to go against another judges order and wanted me to take back to the court of original jurisdiction. 
Upon getting copies of the Document I realized the Affidavits/ complaints are filled out by the attorneys in which they cant attest to any of the facts because they are a 3rd party. Actually a 4th party to the matter at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX account XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting, act XXXX account XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting Act convergent account CREDITCOLL has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting Act XXXX account XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.
Product: Debt collection

Tempoe LLC is still attempting to collect a false debt with the following aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tempoe LLC has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the XXXX XXXX XXXX for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.
Product: Credit card or prepaid card

I had a credit card from Wells Fargo for a long time and this whole time I had the credit card and my regular debt card I feel like I was always charged a lot of fees that were not right. For one my card was supposed to be a student college account and they signed me up for a regular one so I was getting charged fees left and right when I was still a minor. I feel as if we need to look into this because I was wrongfully charged and I am a loyal customer to Wells Fargo. My whole family banks there and this is just not right. I had to close my credit card and mess up my credit just because I could not afford the interest they were charging and all the extra charges. Please help me I am still a student who will need to get loans for schools and I cant do that due to my credit situation from Wells Fargo. Thank you.
Product: Vehicle loan or lease

Approximately XXXX XXXX, 2021 I applied for auto financing with Dealer : XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) )XXXX XXXX sent the request to JPMORGAN CHASE BANK, N.A.XXXX On XXXX, XXXX 2021 JPMORGAN  CHASE BANK sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a right not a privilege. JPMORGAN CHASE BANK, N.A has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.