23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner {$450.00} RE : Validation of Debt in Reference to 15 U.S.C. 1681b Dear Caine and Weiner I am writing to you in response to a notice I received regarding an alleged debt under my name. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), I am requesting written verification of this debt, as I have not received sufficient evidence to establish the validity of this claim.

Please provide the following information to validate this debt : Proof of your authorization to collect this debt as required under 15 U.S.C. 1681b.

Documentation of the original debt with the name and contact information of the original creditor.

Complete payment history showing the details of the debt from inception, including any charges, fees, and interest.

Verification of the debt amount, detailing the principal, interest, and any additional fees.

Proof of my consent to be contacted regarding this debt under the applicable federal law.

Under the Fair Credit Reporting Act, you are obligated to respond to this request by providing evidence to substantiate this debt. I also request that any credit reporting related to this debt be halted until validation is completed.

Furthermore, I am requesting that you do not contact me by telephone at any time. Any further communication should be made in writing.

Please consider this letter as a formal notice to cease collection activity until this debt is validated in accordance with federal law. I look forward to receiving this information within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

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

I XXXX XXXX am submitting this complaint that : In accordance with the fair credit reporting act the listed account below has violated my federally protected consumer rights. XXXX account # XXXX 15USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if the Person knows or has reasonable cause to believe the information is inaccurate
Product: Debt collection

XXXXX17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

XXXX was turned in after service was canceled, but XXXX XXXX claims that I owe for equipment not surrendered.
Product: Debt collection

I had two accounts enrolled in national debt relief for outstanding credit card balances through capital one. National debt relief negotiates for you and in my dashboard through them both capital one balances appeared. It is now years later and I am done with the program and I had just assumed the capital one balances were combined and resolved. Now the smaller balance is in collections and is late as of XX/XX/year>. The collections agency has never once called me or mailed me one notice regarding this outstanding debt. How am I to pay something I had absolutely no knowledge of, it wasnt even on my credit report till last month. The collection agency is XXXX their contact number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
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 15 USC 1681. 

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

XXXX XXXX XXXX and XXXX has violated my rights account number XXXX and account number XXXX I need it removed right away. Law 15 use 1681 sec 602a states I have the right to privacy. sec 604 states a consumer reporting agency can not furnish account without my written instructions, 1681c states no consumer reporting agency may make any consumer report containing any of the adverse item other than the conviction of crimes which antedates the report 1681 2 a 1 person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. This account was never late even though XXXX was not given permission to obtain a loans in my personal name, I went to XXXX to purchase vehicles for my company to put on XXXX and to have for movie sets, video and television and film rentals. I specifically explained to my sales rep and financing that these vehicles had to be business loans only with me as the personal guarantor. ( P and G ) loan. I advised them if if could not be done, I had no need for the vehicles. I researched business credit vs personal credit for the last seven years and was very educated and adamant about no vehicles appearing on my personal credit report. I gave my personal info as a guarantor for the business only not a cosigner in no type of way shape or form. At the time of purchase, my credit score was high XXXX 's I had finally learned how to manage my personal credit and business credit which had an a rating and keeping the business separate. The XXXX with XXXX XXXX XXXX immediately started showing up on my personal credit report without my permission. I immediately contacted the dealer and XXXX XXXX and was told it was nothing they could do. I told them this is not what I agreed to and I would have never allowed the business car debt on my personal credit report. They kept saying well you signed and I said yes for the type of agreement I was told I was agreeing to. I did not authorise use of my personal information or use of my personal credit report other than to verify my identity and to be a personal guarantor for the business if the loan defaulted. With a personal guarantor loan vehicles do not go on your personal report at all. When I saw the word co signee I questioned it and was told at their dealer its the same as a personal guarantor. Lies and deception to get a quick sale not realizing how hard I worked to master my credit the dealership took that away from being dishonest with the excuse of we have paperwork. I did not authorise that type of loan neither would I had ever authorised that type of loan that was fraudulent. Also the vehicle was returned and paid off and they reported a false XXXX late after the vehicle was grounded and settled. I did not authorise XXXX to secure a loan in my personal name thru XXXX that was also fraudulently done by the sales rep. the vehicle has been returned and closed should not be appearing on my credit report.
Product: Mortgage

In late XX/XX/XXXX we began a refinance with JP Morgan Chase. We unfroze our credit bureau accounts & the process started out fine then on XX/XX/XXXX we paid {$500.00} which the email from the Home Lending Adviser, XXXX XXXX, said the money was Good Faith Funds of {$500.00} which will be applied as a credit to your closing costs. If your application is closed for incompleteness or is withdrawn by you, this is not refundable. If your application is denied, these funds will be returned to you minus any expenses incurred on your behalf. Your card number will be collected and charged once you have confirmed your intent to proceed. After we received our appraisal in early XXXX l emailed Mr. XXXX on XX/XX/XXXX & XXXX and received no response. I also made multiple phone calls to Mr. XXXX on XX/XX/XXXX, XXXX, XXXX & XXXX. I also left messages for his manager, XXXX XXXX, who also has never returned my calls. I was finally able to reach Mr. XXXX on my XX/XX/XXXX call and was advised they needed to pull our credit and the accounts are frozen as our temporary unfreezes had expired. Mr. XXXX advised once we unfreeze our accounts they will complete their underwriting then I will be contacted by their Client Care Specialist, XXXX. We completed unfreezing our accounts then received notice that our loan was closed or application is no longer active. I attempted call Mr. XXXX & Ms . Sheets, XXXX, XXXX, XXXX, XXXX & XXXX to inquire about what this meant for our loan and received no return calls. The calls to Mr. XXXX were to his cell phone as this was his new number since they were working from home due to Covid-19. I also emailed Mr. XXXX on XX/XX/XXXX with no response. Finally, on emailed XXXX XXXX on XX/XX/XXXX detailing their lack of responsiveness & horrible service and demanded the refund of my {$500.00}. I have received no response to this email at all.
Product: Payday loan, title loan, or personal loan

I ask them if they could lower the payment, by {$40.00} they said no. If they can not fix this I will have no choice but to close my bank account.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times over the past 5 years, Experian credit reporting agency has refused to supply my annual credit report. In addition, when I am denied credit, as a result of incorrect information on my credit report, Experian still refuses to send me a copy of the credit report. Experian is asking for a current government issued identification and proof of residence. 

Here 's the thing, I have no problem whatsoever with XXXX XXXX or XXXX. They always seem to provide a copy of my credit report. Experian wants to update their files and they have no right under the FCRA to ask for any of the information that they are asking for. 

I am not going to help them do their job! 

Maybe a congressional investigation into their practices would be justified.
Product: Credit reporting or other personal consumer reports

I have a collection from Fair Collection and Outsourcing on my XXXX credit report. I filed a dispute informing XXXX on the Fraudulent account. That I never authorized nor did I apply for any business with Fair Collection and Outsourcing. Why are they reporting Negative information on my XXXX credit report. I have know knowledge of this collection. This collection has held my credit score down for 3 years. I can't even get a dog on lease with XXXX credit score. Let along the credit to buy the dog some food. 
I ask that this collection be removed IMMEDIATELY.
Product: Mortgage

I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.
Product: Credit card

On XX/XX/2016 received a demand letter for a delinquent account that I never had.
Product: Money transfer, virtual currency, or money service

{$2200.00} was stolen from my account XX/XX/21 from a series of transactions from XXXX from XXXX  and at least XXXX XXXX  and XXXX XXXX. I woke up to a XXXX cash app account balance and immediately cancelled the card to avoid future charges. Someone duplicated my cash app card and used in New York on an XXXX. Im in Alabama and own an XXXX. The following day the card produced negative balances when the pending cleared as I was advised thats all I can do while they look only in the end to be told its too late .. the payment was captured. I have been patient and allowed Cash App to investigate, the case was closed due to no response when no further communication was needed from me 3 days later. I reopened it the same day and a week later only {$20.00} refunded XX/XX/21 and said they were working on the other transactions. When I followed up XX/XX/21 about the other transactions I was only told XXXX and XXXX had already captured the payment and basically there is nothing else that can be done, despite my account being hacked and money being stolen. Ive spoken with countless customer service representatives, dispute team, managers, and even email corporate executives to only have mail blocked. I need a full refund and potentially due to damages. I work hard for every cent I receive and have a family to provide for, this is beyond unfair for my money to be taken and be dismissed from everyone from the tail to the head of Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX, XXXX XXXX .... Balance : {$0.00} XXXX OF XXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX BANK XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 XXXX account after being told one of them was a XXXX XXXX  XXXX. Now I was being told they both were XXXX accounts. Both accounts have been placed back on Early Warning. XXXX was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid
Product: Debt collection

I received an email from Medical Data Systems XX/XX/2024 asking me to click on a link to pay or call them at ( XXXX ) XXXX. They are requesting {$210.00} from XXXX XXXX XXXX. I do not have a pass due bill with XXXX. I believe this company was able to contact me due to my email address being on the dark web. I do not have a mailing address to send a cease communication letter. I am afraid to call because then the company will have access to my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Corporate Headquarters : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. 
It has come to my attention you are in direct violation of infringement on my property. 

The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. 
Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. 

IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. 

I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. 
It is in our best interest to have this issue settled outside any federal or state court.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I am a credit account holder with Bank of America Visa. I have made earlier complaint on about XX/XX/2022 to CFPB regarding this matter. 

I would like to notify that Bank of America has yet to cancel the disputed charges, and is still now permitting additional fraudulent charges to accrue. I have received one telephone call, directing me to phone them at ( XXXX ) XXXX XXXX from a XXXX XXXX at extension XXXX however this number again refused the extension number I was given in a voice message. I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 

This practice place me in an impossible position, as I can neither discuss this with Bank of America or stop the charges. I have sent another certified letter to Bank of America with this same complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal use of info on my credit report, harassing me with info illegally obtained from credit report, discrimination and making assumptions based on info illegally obtained, some that has nothing to do with me, XXXX harassment by credit company employees and other individuals and harassment from a cult, harassment from government organizations, government employees, police misconduct, group stalking, neighborhood watch in my community harassing me for paying my credit card bills or going shopping and snooping in my private info and mail. I cant put my phone number in my accts because otherwise i get harassed by my phone services with illegal surveilliance and triagulation that result in me getting wrongfully pulled over, ticketed and all types of problems!!! Have to sue a city because every day i am harassed in my car with info illegally obtained by other people and organizations. IT IS NONE OF ANYONE ELSES BUSINESS WHAT IS ON MY CREDIT REPORT IT SHOULDNT BE PUBLICLY DISCLOSED WITHOUT MY CONSENT people shouldnt drive around me while im in my car trying to HARASS me with info from illegal background checks or credit reporting VIOLATION OF THE 4TH AND 14TH AMENDMENTS