23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With that being said i never gave equifax permission to report any of my information Im demanding the items Im currently disputing deleted
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to rectify an inaccurate late open account listed on my credit report. Despite my persistent efforts, this discrepancy continues to have an adverse impact on my creditworthiness. I am writing this letter to bring this issue to your attention and request a swift resolution. I initially submitted a dispute regarding the inaccuracies associated with the late open account, DEPT OF EDXXXX. I provided all pertinent documentation to support my claim. I filed a second dispute concerning the inaccuracies associated with the same late open account, DEPT OF EDXXXX. I included supporting evidence to substantiate my dispute. 
I am fully aware of the critical importance of accurate credit reporting, as it significantly influences my ability to access various financial services and opportunities. The continued presence of this incorrect late open account on my credit report has caused substantial financial harm, including higher interest rates and difficulties in securing credit. 

I kindly request that your bureau takes immediate action to conduct a thorough investigation and correct the inaccurate late open account, DEPT OF EDXXXX, from my credit report. Additionally, I urge you to provide me with a written explanation outlining the steps taken to rectify this inaccuracy, along with a timeline for its correction. Clarity regarding this process is essential for me to understand when the issue will be resolved. 

Should this inaccuracy persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This DEPT OF EDXXXX XXXX XXXXXX/XX/2018 Balance : {$68000.00} should be corrected right away by Equifax and XXXX Credit Bureaus .
Product: Debt collection

Collections account from DIVERSIFIED CONSULTNTS {$1300.00} 1yr 2 months current age Collections account from XXXX XXXX XXXX {$610.00} 5 months current age With a total of {$1900.00} in debt that is not mine I have no knowledge of these accounts at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX
Product: Debt collection

on XX/XX/21 XXXX  from ARC debt collection called me regarding unpaid hospital bills. Told me the total balance is {$1900.00}. She asked if i could pay it today. I told her that i needed a payment arrangement. She asked if i could pay today. I said no. She then told me that if I didnt make a payment today then it could effect my credit negatively. I then asked to speak to the supervisor. I waited on hold for 10 minutes. XXXX XXXX came on the phone. I told him when i asked what the rep meant by effecting me negatively. She said just like i said. He then said it would effect me negatively as well. When i asked him how it would if i didnt make a payment today then he said well it could if you dont make a payment by the end of XXXX. He wouldnt let me speak and continued to talk over me. then he proceeded to tell me that i have 6 accounts in their offices but would tell me verbally which ones, dates and how much. just said i will send in the mail. when i asked who is superior was he refused and said i cant talk to him. i advised i didnt ask to. i just asked who it was and he said XXXX XXXX is the owner. The treatment i received was very unprofessional and threatening. I have no problem with setting up payment plan but to be talked to in this type of manner is not in any way professional
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX flagged an account as Collections on my credit report for the amount of {$1500.00}, stating that the original creditor was XXXX XXXX XXXX XXXX. I was out of the country and did not realize this until XX/XX/XXXX. As soon as I found out, I disputed the Collections on XXXX, XXXX and XXXX, stating that I had been a victim of identity theft earlier this year and suspected someone had fraudulently used my information again ( despite the fact that I had frozen my credit and place fraud alerts on XXXXXXXX XXXX  ). 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask for more information about the account flagged as Collections and found out that on On XX/XX/2023, an XXXX Mobility Account was opened fraudulently under my name with a false email and address in Indiana. XXXX XXXX XXXX said that, in order to investigate the case, they would send me a XXXX XXXX within XXXX business days that I should fill and return to them. I provided them the correct address to mail it and I am currently waiting for the Packet to arrive. 

On XX/XX/XXXX, I also filed an Identity Theft Report with the FTC and, following their recommendations, I called XXXX XXXX XXXX at XXXX to report that my identity was used to fraudulently establish XXXX XXXX XXXX XXXX ( wireless account ). XXXX XXXX XXXX said they could not help me without the account number and that, in order to start a fraud investigation, I should call back with the account number, which I have no way of knowing, since this account is NOT mine and I have never received any statements, invoices or notices of debt related to this account. The only reason I found out about this collection is because XXXX XXXX XXXX flagged it on my Credit Report and XXXX sent me a notification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

o Proof of a valid contract or agreement establishing the alleged debt and my obligation to pay it.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

7. Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

8. o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts. 
Additionally, I do not consent to any form of contact via email, phone, or text message. I request that all communications be conducted strictly via mail. 
Thank you for your immediate attention to this matter.
Product: Checking or savings account

Called JP Morgan XX/XX/15 to dispute charge from XXXX XXXX XXXX XXXX for a ticket never issued therefore constituting an illegal insurance fraud charge. 
Chase refused to dispute the charge leaving money missing from my account permanently and fraudulently. 
They also stated " they are allowed to violate XXXX and XXXX laws for wiretapping '' and continued to record me without my consent. 
Illegal wiretapping is a criminal and civil offense punishable by XXXX - XXXX fines per conviction including jail time.
Product: Prepaid card

The BofA prepaid XXXX XXXX  notified me by mail that they suspected fraud because of some out of country transactions that had occurred. I'm not sure of the total because I never was able to get a statement from them or log into my account because they shut my card down. I'm not even sure of the dates now but best guess somewhere in XXXXXXXX XXXX XXXX
Product: Debt collection

The company said i owe for a XXXX XXXX credit line, of which i had 3, and can't specify any of the dates of the debt moving into collections or otherwise. I got a letter threatening legal action XXXX  months ago, followed up, and then my mother got a call this past week in which they shared information that was not legal to share, and threatened legal action against her and myself.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reports ACIMA CREDITXXXX XXXXL # XXXX, XXXX XXXX # XXXX. I HAVE SOME LATE PAYMENTS REPORTING on my credit report that is stopping me from closing on my home because it dropped my credit score severely. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Debt collection

at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something
Product: Vehicle loan or lease

I leased my vehicle from XXXX XXXX in XXXX Nebraska on XX/XX/XXXX for 42 months, through Chase Financial. I started receiving end of lease emails in early XX/XX/XXXX. The end of lease emails explained to get an end-of-lease inspection done so you would know what to expect but did not explain it needed to be done through a third party and not your dealership. I had an inspection done at the dealership where I was told that the vehicle looked good. 
The vehicle was turned in early XX/XX/XXXX with 6000 miles fewer than expected a few days before the last payment that came out XX/XX/XXXX. I received a bill today on XX/XX/XXXX that was dated XX/XX/XXXX stating that the lease was terminated early and that two of the tires were too worn and had to be replaced at the exorbitant price of {$210.00} each. During my call I was informed that tires are specifically excluded from {$1000.00} wear deductible they have for leases. But tires is one of the few things you should expect to have wear. 
The bill showed they were charging me for wear and tear and a disposition fee instead of the early termination fee because it was the lesser fee. Neither the dealer nor the bank explained that turning the vehicle in before the last payment is processed will result in an early termination fee. I have tried to talk with the bank and explain to them understand that the lease was turned when it was due to the pandemic and that they took the final payment therefore it wasn't an early termination. I was told multiple times that they will not negotiate with me on the bill and that no one at Chase can fix the bill to reflect that it wasn't an early termination.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my Experian credit report and found inaccurate information for XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  and XXXX XXXXXXXX ). These accounts were updated the same day with inconsistent balances and dates : Account XXXX XXXXXXXX : Balance of {$4400.00} with a balance date of XX/XX/XXXX. 
Account XXXX XXXXXXXX : Balance of {$4900.00} with a balance date of XX/XX/XXXX. 
Both accounts are reported as " over the credit limit '' despite being previously transferred to collections. 

I have filed multiple disputes directly with Experian, requesting documentation from XXXX  XXXX XXXX to verify these balances and a detailed explanation of their verification process. Experian has failed to provide this information, violating FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 

Additionally, Experian appears to rely on automated systems, such as e-OSCAR, without conducting a proper manual review, perpetuating inaccuracies. I have also filed formal complaints with the FTC regarding Experians negligence. 

This ongoing reporting has caused harm to my credit profile and restricted my ability to access credit on favorable terms. I am requesting that Experian delete these accounts immediately if they can not verify the information.
Product: Mortgage

My bank Flagstar/XXXX is wanting me to pay {$2600.00} since XX/XX/2023. 
Last year We did a Loss Mitigation or a Forbearance in 2023 due to my wife loosing her job due to covid-19. They took my payments put them at the end of my loan with the State of Indian ( XXXX ) stepped in to pay maybe XXXX months they said they could not pay the rest of it then the bank put the remaining amount at the end of our loan. Now out of no where they want {$2600.00} with my regular house payment of {$820.00}. I am asking for myself to the bank with no lawyers involved.
Product: Debt collection

I filed a dispute and the dispute got denied by eqifax. They provided documentary information but was not able to provide the written permission by the consumer. 15usc 1681b permissible purpose. In accordance with the written instruction of the consumer to whom it relates. I never consented with written instruction to make the account information public.
Product: Debt collection

I recently obtained copies of my consumer report and noticed unauthorized inaccurate items reporting. I am well educated and highly intelligent and am very well aware of my rights as a consumer. The fair credit reporting act requires that you, the credit reporting agency, report accurate and or/correct account information within my credit file. These accounts do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be removed immediately. Pursuant to the FCRA Section 1681 c ( 2 ) Block of Information resulting from identity theft, you are required to block any information in my consumer file that is a result of identity theft, not later than four ( 4 ) business days after the date of receipt by such agency.
Product: Credit reporting or other personal consumer reports

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger V. Transunion 2:95-cv-06445 ( C.D. Cali. No. 14, 1995, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Product: Debt collection

Recovery Management Solutions continously calls and violates FTC guidelines by not identifying themselves as a debt collector PRIOR to asking me to identify myself. 

RMS continues to call and ignore my request to to cease and desist calling.

RMS has ignored my dispute of any debt included in my XXXX XXXX bankruptcy filed in XX/XX/2016.
Product: Debt or credit management

My personal data was breached and all of my info was taken
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like to see about having Santander Consumer removed from my credit report, I used to have an auto loan with them but closed that account over a year and a half ago. I am aware of the fact that Santander is involved in litigation & in a class act lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my " free '' annual credit report from Equifax. Several months ago XXXX  made my report available over the Internet immediately. 

Equifax is denying providing me a report after they presented 5 questions to me concerning imaginary accounts, and none exits. In fact, I have not used credit or credit related services in 20 + years. I have a report that reflects just that ... and XXXX sent it to me. 

What is the problem with Equifax complying? 

My first contact with them was XX/XX/XXXX, and my last contact with them was today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please see attached documasents. Do not close this complaint stating it is not me. I am a nastural pferson and a consumer.
Product: Credit reporting or other personal consumer reports

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 This ENTITY is a Third Party which XXXX didn't not sign a contract with. I owe this XXXX nothing!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX Exprience. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.
Product: Debt collection

Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to Portfolio Recovery, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I was denied application into XXXX XXXX XXXXXXXX XXXX XXXX due to a credit/consumer/background/criminal report done by XXXX XXXX   XXXX XXXX . They said that my tenant risk score was too low even though my Transunion tenant score was higher. When I asked how the score was derived XXXX told me Corelogic does the score. When I called Corelogic they said  XXXX does the score. XXXX sent me Corelogics flyer and according to it I should have qualified with no problems. I have a long standing work history with the same employer, no evictions, no criminal record and no collection or past due accounts. I lost out on a purchase of a condo with no explanation. I wanted to appeal but the owner had another offer which was higher than mine so I refused. I believe the association management company XXXX XXXX XXXX adjusted my score with the help of Corelogic.
Product: Checking or savings account

I returned to the country in XX/XX/XXXX for the first time since I left in XXXX during XXXX, and I was surprised to find out my XXXX accounts had been transferred to Citizens Bank. I took immediate action on XX/XX/XXXX to regain access to my accounts with Citizens Bank but was surprised to find out there had been several monthly service fee charged to my account since XX/XX/XXXX, at a total of {$100.00} deducted from my checking account and a total of {$9.00} deducted from my savings account over time. I contacted the customer service on XX/XX/XXXX to complain about the fees and to explain the situation and tried to resolve this issue, but the customer representatives ( both XXXX XXXX XXXX, Customer Representative and XXXX XXXX P., XXXX XXXX Customer Service ) told me that they were only authorized to return {$32.00} and {$9.00} to my checking and savings account individually. I expressed my strong dissatisfaction but the representatives couldn't help further. 

From my perspective, I have never agreed to the transfer of the accounts from XXXX to Citizens Bank. I found the service fees charged to myself extremely unfair since these fees would not have existed in my original XXXX account ( Both account had balances meeting XXXX 's minimum requirements to avoid fees ) Transferring my accounts without my permission and deducting fees from my accounts that were not pre-existed in my original accounts is considered unauthorized conversion of my property. Moreover, due to the extreme situation of the pandemic, I could not have been informed of this change timely. As of the time I'm writing this complaint, there are still {$68.00} of my account balance not being returned to my accounts. I would like to claim my rights with this complaint and stop similar practices from happening again.