23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Inaccurate information according to usc 1681 a states that all information on my reports have to be accurate and precise and these accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the due date.. a check ( # XXXX ) was written to XXXX XXXX ( Continental Finance ) in the amount of {$61.00} ( {$1.00} over the minimum payment ). On XX/XX/XXXX I called to see if the check was cleared..the recording stated that the check was received and that I had a {$61.00} credit and cash limit available. I checked my checking account to see if it was posted..for 7 days it did not post. 

Yesterday XX/XX/XXXX I received a call from Surge XXXX requesting a payment due..I inquired of what happened to my check..I was told that the check was returned and to check with my bank.. subsequently I did so and my bank ( XXXX Bank ) stated that no check has been returned. And again I spoke with a XXXX XXXX representative. I inquired further of the check and I asked if they lost my check.. the representative insisted that the check was returned.. I then stated that I would have to send them a cashier 's check for any further payments because I could not trust them with a check payment.. ( I admit at that point I was rather heated and did hang up the phone ). Today I received a XXXX loss of credit on my report. 

I would like to have this matter resolved and my credit restored to the previous amount. And I will be forwarding a cashier 's check or money order for payment. Thank you for your attention to this matter. 

Sincerely
Product: Student loan

This loan has never been late. I was either a XXXX XXXX XXXX or my loans were in deferment.
Product: Money transfer, virtual currency, or money service

I recently received a Cash App card in the mail that I did not order. The card arrived at my address with my name misspelled and linked to a XXXX XXXX I have never used. Ive had the same XXXX XXXX for the past XXXX years, so seeing an unfamiliar one was immediately concerning. 

Upon noticing these discrepancies, I contacted Cash App customer service to inquire about the situation. When I asked about the unfamiliar XXXX  XXXX  associated with the card, they informed me that they had no record of such a tag in their system. They were unable to provide any explanation as to how or why this card was issued with the incorrect details or how this XXXX XXXX, which Ive never used, was linked to my name. 

Given these unsettling circumstances, I am now deeply concerned that my personal information may have been compromised. To protect myself further, I have taken the precaution of removing any linked bank accounts from my Cash App account, as I no longer feel secure using the platform. The lack of clarity from Cash App on this issue has only amplified my concern about the potential security breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXX  This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Credit card or prepaid card

On XX/XX/XXXX Target Card Services called me an said " this is an attempt to collect a debt '' I said " first off I did make a payment on the XXXX of XXXX, it was not the minimum amount due but I paid {$200.00} ''. I then told the representative that " Without Fail '' I would pay the {$320.00} due on XX/XX/XXXX as that was my payday and I would pay online. She said she'd make a note on my file. I paid {$320.00} via online on XX/XX/XXXX. On XX/XX/XXXX I was checking my account and noticed I was short money. I noticed Target Card Services had taken another {$320.00} out of my account on the XXXX of XXXX via a check they generated without my permission. I also received a letter on the XXXX from Target Card Services thanking me for my phone payment on the XXXX of XXXX. I never called them on the XXXX, they had no right to take a payment out again, especially via a generated check created by them or TD Bank. I called Target Card Services right away to rectify the situation. The representative I spoke to did see the 2 payments and said they would put in an investigation to the double payment and get back to me. He said it could take up to 60 days, most likely not but it could. I then called XXXX my Credit Union and explained to them what happened. I was switched over to the Fraud department and put in a claim. The representative did say she had never seen a check generated like the one Target put in for the payment before. I signed e-documents and the Credit Union put in a fraud complaint to Target. My Credit Union put the money back into my account on the XXXX of XXXX and said I did not have to do anything else, that XXXX would handle everything with XXXX. I received an email from Target Card Services on the XXXX saying they returned my E-payment. As I checked my Target Account they charged me a {$30.00} return fee and {$1.00} interest charge. I called Target Card Services on the XXXX and spoke to XXXX the supervisor of Card Services and he took those fees off my account. This whole issue had me stressed because I didn't know how long it would take to resolve and I had bills to pay with the extra money they took out of my account. I also think this is considered check fraud. I never gave any kind of permission for anyone to create their own check against my account to pay a bill that needed to be paid or in my case was already paid.
Product: Credit reporting or other personal consumer reports

Dear Bank of America I am writing to you again in disbelief that Bank of America would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Bank of America irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Bank of America furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Bank of America to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Debt collection

I have no record of any transactions or agreements with RADIUS GLOBAL SOLUTIONS LLC and did not authorize the opening of this account. XXXX. Investigation : Upon discovering this account, I conducted a thorough investigation and found no evidence supporting the legitimacy of this debt. I assert that this account is a result of identity theft, which has caused significant harm to my creditworthiness and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is Double Jeopardy. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).
Product: Debt collection

I tried to take off credit report because my account was sold to a collection agency in which I didnt give my personal information or agree to my information being sold, have report multiple times on my credit under the same name instead of combining debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received dispute results from Experian stating an alleged debt was verified. I reached out to XXXX requesting a description of their reinvestigation procedure for an alleged XXXX XXXX account ( account number XXXX ) that was verified. Certified mail receipt number - XXXX, Exhibit A. I have yet to receive a response that includes a description of the reinvestigation procedure. Experian is in violation of my rights as a federally protected consumer. 

Experian Knowingly Broke The Law. Pursuant to15 USC 1681 a3 - ( 3 ) XXXX made it clear that your company assumed this role. I never gave permission to furnish a consumer report on my behalf. My reasoning is based on consent and privacy. I am not making a dispute, I am making a demand. You were not given express permission by me, the consumer, or competent court jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Summer of XXXX I was offered a bj credit card at a cash register while I was checking out The attendant asked if I wanted to use this BJs card for the purchase I said NO Thats the only interaction Ive ever had with BJs at this cash register in summer XXXX Never used a BJs card Never bought ANYTHING Never ever received a bill or a BJs credit card Then in XX/XX/XXXX received a bill for membership fee for BJs credit card I called said I dont have a BJs credit card never used a card and dont shop at BJs I continue to call the company about this unauthorized membership charge without resolution Please help
Product: Debt collection

I originally received from XXXX XXXX XXXX and I sent a letter dated XX/XX/XXXX to which I heard nothing Then I received a letter from XXXX XXXX to which again sent a letter to them XX/XX/XXXX. Again I received a letter from they to which again I sent them a letter no response. Then I received a letter from XXXX XXXX XXXX which again I responded again asking them to verify my debt per FCRA To which they responded with letters of debt but no varication of debt then they put on my credit report. I don't have copies of orginal letters. 








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

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Mortgage

I just purchased my first home using a VA loan. The appraiser assigned to me used the lot square footage listed on MLS. The problem is the calculation is incorrect and the lot is actually 2,000 sq feet less. I became aware of the missing square footage after I moved in. When I told my lender about refinancing the loan for the actual value of the home, they declined to assist me any further, stating I would need the seller to agree to a new purchase price or contact a lawyer.
Product: Mortgage

I received a letter with an loan offer from Clearpath lending ph XXXX XXXX XXXX XXXX call themselves VA SPONSORED LENDER ) stating that I had in the past an veteran administrative loan of {>= $1,000,000} when in fact I never had any type of loan with VA. 
In the letter they offered VA sponsored interest rate reduction refinance loan ( IRRRL ) Notification Nr XXXX I called them and they said is public info and hang-up Please investigate the way this company/bank operates to mislead customers and use fake records to lure in new customers They illegality stole my private info and mix it up with a fabricated past loan records to confuse me in order to make me agree to whatever scam they are planning. 
This is not a business practice you should tolerate if you care about consumer protection
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX  Sage Stream, XXXX, XXXX XXXX. Case # XXXX XXXX County
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion charged me for " credit monitoring '' which I never signed up for. I was trying to get a copy of my credit report and it said they needed my credit card number as a way of verifying my identity -- then they started charging me a fee of {$19.00} a month. I wasn't told before the charge appeared on my credit card statement and when I called, they were extremely obstinate in insisting that I had enrolled in this service. I never received anything for this service ( e.g. any kind of updates on my credit or credit history ) and I think their whole raison d'etre was to charge my card and stay below the radar hoping I wouldn't notice it on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX account number - XXXXXXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off theUnverified information from my report. 

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

XXXX BANK, XXXX # XXXX ( late payment ) -- {$1300.00} XXXX # XXXX ( charge off ) -- {$4200.00} XXXX XXXX XXXX XXXX # XXXX ( late payment ) XXXX # XXXX ( repossession ) XXXX XXXX XXXXXXXX # XXXX ( charge off ) -- {$24000.00} XXXX XXXX XXXX # XXXX ( charge off ) -- {$80000.00} XXXX XXXX XXXX # XXXX ( collection ) -- {$1100.00} UXXXX XXXX : ODE XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

Our mortgage loan was transferred from XXXX  XXXX XXXX to XXXX XXXX in XXXX, XXXX  and since then we have been charged a {$13.00} fee each month ( plus another one time fee in XXXX XXXX  ). We have made all of our payments as instructed and on time using their online portal, which has no fees associated with it. Both of Selene 's customer service representatives that we have spoken to - on XX/XX/XXXX and XX/XX/XXXX, XXXX could not explain the fee, and why were being charged this amount each month. We were told that an explanation would be sent out in 30 days or so via postal service. But the reason we do not want to wait is because of the concerning statement made by the last customer service representative with whom my wife spoke to on XX/XX/2022. The representative stated that " They ( Selene ) can charge us this, or any other type of fee, anytime, and as many times as they want, even multiple times each day, without a reason or justification. I hope this is not true or is it?
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX