23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FMS Financial Solutions placed a collection on my credit file XX/XX/19 in the amount of {$9800.00}. When I asked for verification of this debt ( signed agreement, relationship documents or payment history ) as I am entitled to under FCRA and FDCPA. I did not receive any documentation that would justify this account reporting on my credit report. 
When I contacted them by phone I was sent directly to voice mail, placed on hold for extended periods of time or hung up on. In my attempts to file a civil suit in XXXX MD, I could not get this case to go before a judge. This gives a clear indication that the system designed to protect the consumer no longer works.These type of predatory practices by FMS Financial Solutions should be deemed unlawful. 

FDCPA violations : sections 604,605A,606,607,609, ,610,611,616,617,623 FCRA violations : sections 803,804,805,807,808,809 and 813 Each violation carries a fine of {$1000.00}
Product: Mortgage

I am currently in review for a modification with my lender, Wells Fargo but they refuse to remove the sale date of my home scheduled for XXXX/XXXX/17. They have told me they are transferring my loan to a new servicer and it will take a few weeks until the new servicer has my mortgage and modification review and by then I 'll have lost my home. They should n't have a sale date while I 'm in review for a mod, and they should n't transfer my loan with a sale date pending.
Product: Debt collection

Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History TransUnion : Shows incorrect 30-day late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in TransUnions reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit card

PNC had excessive late fees on the credit card for multiple months. Their customer service team was not very helpful and continually created unnecessary barriers to getting it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a dispute to the Experian, XXXX and XXXX credit bureaus disputing XXXX derogatory accounts XXXX XXXX placed on my file, as per my rights under the FCRA. I was specific in my demands that to prove the existence of said accounts, there would have to be a signed contract, a listing of the chain of assignments establishing XXXX as a Holder in Due Course of any account, and a sum certain, a complete financial history of the alleged accounts with fees and interest in order to prove accuracy. About thirty days after, all three bureaus reported back that XXXX validated the debts, and that my disagreement was acknowledged but these accounts remain. 
On XX/XX/2019 I sent a Method of Validation letter to the three bureaus again as per my rights under the FCRA, giving the allotted 15 days to answer and have received no answer more than 15 days on so, yesterday, the XXXX Of XXXX I mailed a letter to the three bureaus demanding both alleged XXXX accounts be removed from my report. That was when I had decided to bring the Consumer Financial Protection Bureau into this to hold these companies to account and create a record preserving my rights. 
Also, I never recall having received a 1692g FDCPA Validation letter from Portfolio on either account and only knew of one account from a letter that was forwarded when I moved. The other account I was completely unaware of until I checked my credit in XXXX for the first time in years. Portfolio was calling the house number where I live and when I investigated the number I learned who they are and what they do, and I learned their business practices. I read the consent order that the CFPB issued against them and knew they are not a company I want to do business with nor are they a company I want to have possession of my personal information. On XX/XX/XXXX of this year they called the house and I called them back and told them they are never to call this number again. The calls ceased until my recent dispute with the bureaus and they started calling several times a day. Also, after I disputed with the bureaus I received a direct mailing from Portfolio including what I assume they count as proof of the validity of these accounts. A bill from each, a copy of a bill of sale, all hearsay. No contract, no legitimate chain of assignment, no sum certain documentation, no affidavits of accuracy. On XX/XX/XXXX I mailed a letter to them directly by certified mail informing them that I am aware of their business practices and their detrimental history, pointed out violations of the FDCPA, and demanded they offer verifiable proof of the legitimacy of these alleged accounts and told them to stop sending derogatory information about me to the bureaus if they cant prove anything. I have received no answer not even the certified receipt back. As I said, I am writing this to establish a record and hope some action can be taken against this company that frequently crosses the line into Unconscionability.
Product: Consumer Loan

My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to XXXX, XXXX, and Transunion, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.
Product: Money transfer, virtual currency, or money service

My previous mobile phone number is not available and I try to change my login information (a new phone number), but the system won't accept my passport. Last two months, I have emailed Coinbase.com four times regarding my login issue and there is no respond.
Product: Money transfer, virtual currency, or money service

My son passed away in XX/XX/year> and he left me with his final pension check. My ex son in law and XXXX XXXX XXXX XXXX had trouble getting my birth certificate so I can get a new ID to cash the check in question for {$1500.00} Either send me new check or do direct deposit. I give my son in law and XXXX XXXX XXXX XXXX XXXX my written permission to handle this matter. He can be reach at XXXX XXXX XXXX
Product: Debt collection

I received a collection letter from D.B.F. Collection Corp on XX/XX/2021. I responded XX/XX/2021 with a certified letter disputing the debt and requesting D.B.F. Collection Corp verify the debt. In that letter I also requested they do not report to credit agencies as the debt was being disputed, and if reported to credit agencies to contact those agencies to notify them that the debt is being disputed. I still have not received verification of this debt from D.B.F. Collection Corp and the collection debt still appears on my XXXX credit report without being marked as disputed.
Product: Payday loan, title loan, or personal loan

Trying to access my account online. The online system for Conns will not allow me to access my account to pay my bill. I am not comfortable with paying my bill without having access to the account balance as I have had issues in the past with payments not credited correctly. I have expressed this concern with Conns and I am receiving 1st payment default notices. They originally claimed the issue would be resolved within 24 hours and I would have access. After another 5 days I am being told they still have not resolved the issue. I want my account on pause until this is resolved and my due date extended due to their mismanagement of their systems. I understand under the Fair Credit Billing Act and Fair Credit Reporting Act they must give me access to this information and are not giving me access.
Product: Payday loan, title loan, or personal loan

This account was never opened by me, shows I have a ton of missed payments but dont its been a year and they still wont stop reporting late payments I need someone to seriously help me out. I have tried to dispute call them and no one can help me out how did someone even use my information?
Product: Debt collection

This was never late. XXXX XXXX XXXX made an error when recording payment. They are aware of issue and agreed to remove negativity. also please check that account is not untimely inaccurate incomplete or unverifiable.
Product: Credit reporting or other personal consumer reports

Debt collectors are not reporting my payments. I am currently making monthly installments on every debt listed on my credit report. However, when I apply for credit, my report shows delinquent accounts, which negatively impacts my chances of being approved. My XXXX  score is higher than my bank score, but financial institutions are stating that my delinquent accounts need to be settled, even though I am making payments. The debt collectors are not reporting my payments accurately.
Product: Debt collection

Dear Sir/Madam, I am writing in response to a communication I received regarding the alleged debt that is claimed to be owed by me. Please be advised that I am requesting verification and validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I request that you provide the following : The amount of the debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges that have been applied. 
The name of the original creditor : Please identify the original creditor to whom the debt was owed and provide the details of the debt 's origin. 
Proof of assignment : Since you are claiming to be the creditor or collector of this debt, I require a copy of the original assignment contract or any other legal document that proves you have the legal right to collect this debt. 
Complete payment history : Please provide an itemized statement of all transactions, payments, and adjustments made on this account, including the dates and amounts. 
Evidence of the debt : Please provide any documentation that shows I am legally obligated to repay this debt, such as a signed agreement or contract. 
If you are unable to provide the requested validation, please consider this debt disputed, and cease all collection activities related to this account until you can prove its validity. Additionally, please refrain from reporting this debt to any credit reporting agencies until proper validation is provided. 
Please provide the requested documentation within 30 days of your receipt of this letter. If I do not receive the requested validation within this time frame, I will assume the debt is invalid, and I will consider the matter closed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely,
Product: Credit reporting or other personal consumer reports

You have not provided me a copy of ANY original documentation under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( a ) A consumer contract with my original signature on it and under 16 USC 1681i ( 5 ) ( a ) of the FCRA. You are required to promptly delete all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' 15 USC 1681 n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XX/XX/XXXX under account number XXXX with a balance of {$200.00}. A personal account opened at XXXX under account number XXXX with a balance of {$0.00}. A personal account opened at XXXX XXXX under account number XXXX with a balance of {$9200.00} and a personal credit card account opened at XXXXXX/XX/XXXXunder account number XXXX with a balance of {$1400.00}. Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen ( 15 ) day of completion of your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete XXXX 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Product: Credit card

During covid at work and only use the card a couple of times and then they reported it negative and closed it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income.

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute.

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report.

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt.

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ 4 business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing XXXX XXXX as me owing funds when I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}