23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Comenity Bank, XXXX XXXX XXXX, and CFPB, I am writing to address a matter concerning an alleged debt of {$530.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt. 
I expect your prompt attention to this matter to prevent further escalation.
Product: Debt collection

I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX I contacted XXXX about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for XXXX and 20 for TransUnion that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( XXXX ),  and 20 ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 (  b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

PayPal decided they wanted to discontinue doing business with me however they refuse to refund the balance in my account. Its been almost 3 months and they are still holding my funds. I dont have any outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my car through XXXX XXXX. This was supposed to be set up on an auto withdraw. I have had several conversations with them about setting this up. I just got this vehicle in XX/XX/2020, and every month I have tried to get this together with them and it constantly fails. In XXXX and XXXX, I received lates on my credit report for this vehicle when it was promised to me that this was set up properly. A few days after it was late, both months, they contacted me asking for a payment. Through my confusion, I just paid it because they stated a payment hadn't been made. 
Now my credit score is suffering because this wasn't completed and I now have 2, 30 day lates on my credit. I have several accounts with XXXX XXXX  and I have used them for a long time. This is unacceptable and needs to be reversed. I have always paid them and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage account with XXXX XXXX was PAID IN FULL on XX/XX/2022. Equifax and/or XXXX XXXX continue to report FRAUDULENT information. XXXX XXXX continues to report an open account with a $ XXXX balance and 90 days late. Equifax REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT EQUIFAX and XXXXXXXX XXXX  do the same!!! Equifax is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from XXXXXXXX XXXX has previously been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide XXXX or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023
Product: Debt collection

Key 2 recovery is constantly trying to contact me at my place of business. I have emailed them stating to stop contacting me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.
Product: Mortgage

I surrendered my home at XXXX XXXX XXXX in XXXX XXXX Illinois to XXXX Portfolio Services on XXXX XXXX, 2015 per their Deed in Lieu protocol. 
I eventually received my relocation assistance XX/XX/XXXX after numerous phone calls in which I was given false or no information. 
As a result of this unnecessary vacating the property ( it is still empty 10 months later ) I was forced to spend on HOA payments ( they are seeking over {$2000.00} from me ), duplicate utilities and expense of physically relocating I find myself in financial hardship once again. 

I could still be living there with my assistance in tact had SPS not forced me out and caused me to deplete those funds.
Product: Checking or savings account

Dear CFPB I am writing this letter complain about Bank of America change my XXXX   dollars and don't admit it.l just opened Bank of America check account one week ago. When l withdraw some money from my XXXX XXXX XXXX XXXX to my bank of America because l still used temporary card that time so it's failed, when the money returned to my Borker XXXX USD dollars disappeared, l called to my Borker asked who charge my XXXX dollars and they sent me little verified and confirmed bank of America charge my XXXX dollars with date evidence. l called bank of America more than 10 times and went to bank office spent 3 days try to fix this problems but they just don't admit it. 

I am visiter l believe there's more coustomer charge money for no reason because bank of America system problem, and they may can't speak XXXX or suit to expensive, so they give up. 

Bank of America need return my money and apologize wasted my time, l really disappointed about this low quality service, l can't trust Bank of America again. 

XXXX XXXX Looking for fix this problems XX/XX/2018
Product: Debt collection

Lien put on bank account and all monies removed ( XXXX ) on XX/XX/2020. XXXX XXXX XXXX located in XXXX VA is the company who filed the legal paperwork but they have no information. Results XXXX XXXX in XXXX XXXX Va is the collection agency. They aren't taking phone calls and haven't responded to email. Due to the current pandemic this lien has caused extreme hardship to my family. I'm very concerned that the stimulus check will also be taken.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

To Whom It May Concern, I withdrew {$300.00} on XXXX  XX/XX/22 from a bank of America ATM but was only given {$100.00}. I called into the Bank of America dispute hotline and filed a claim however it was denied without any proof that the claim was looked into. I don't see myself as a liar and just want the bank to be truthful about technical difficulties on their end as this ATM error is one many consumers face.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unable to submit a dispute online and given a message telling me I have to call to submit a dispute is counterproductive. Why do I have to wait on hold and waste my time to talk to a live person? Credit reporting bureaus should not be allowed to inconvenience consumers by making the process to dispute errors INCONVENIENT and difficult. This only prevents people from submitting disputes.
Product: Mortgage

We called Rocket Mortgage to inquire about a refinance. 
They told is we could lock in a rate at 2.99 % and our payment would be around the {$950.00} range. We submitted our documents and paid {$500.00} for the appraisal. 

We contacted Rocket Mortgage several times to inquire about a closing date and to get information and we just kept being told we would receive an email with information to schedule our closing ( which we were told we would be recieving $ back at ) After destroying our credit and waiting until the grace period was over to go with another lender, Rocket mortgage calls us and completely changes our mortgage terms even though our appraisal was in a week before and already marked as reviewed. They then say our appraisal was to low and that they can only give us a 20 year loan at {$400.00} more a month then originally quoted and we would be required to bring {$8200.00} to closing. Our appraisal was only {$5000.00} lower then the estimate. They led us on so we couldn't go with another company to get us into the loan they wanted us to have to benefit them and scammed us. Terrible buisness practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew, [ Nephew 's Full Name ], may be responsible for this fraudulent activity. I believe that my nephew, may have used my personal information to open these accounts and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities. 

I kindly request that you remove these unauthorized accounts and associated negative information from my credit report as soon as possible and provide me with written confirmation of the actions taken. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had extremely high quotes for auto insurance which led me to obtain the LEXISNEXIS report. This company has been informed that the mailing addresses and incidents filed under my auto record is incorrect. This record continues to reflect false driving record details and the incorrect addresses!
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. 

US DEPT ED # XXXXXXXX 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DP OF EDUC : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, : # XXXX, DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some inaccuracies on my credit report. During a recent review, I found late payments incorrectly recorded on my account. I kindly ask for your prompt assistance in correcting or removing this information from my report.It is essential to maintain an accurate credit history, and these late payments do not accurately reflect my financial responsibility. I believe this is an error and request your immediate intervention to correct it. I also spoke with the companies by phone, and they confirmed the need to fix this. 

Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today I spent over an hour and half with different Bank of America agents on the phone to answer my concern to no avail. I spoke to at least 4 different agents and a supervisor. Long story short I needed to find out the full account number ( not the last 4 only ) on an account that is listed in my " manage accounts/ recipients '' list. This list is created by the consumer, but unfortunately, BOA would not disclose the full account number that was previously entered by the consumer. I do have different accounts under that list and I need to update/delete some to avoid sending funds to the wrong account which happened before. I called them about one account in particular with XXXX XXXX that I needed to get the full account number of but they refused. I asked to speak to a supervisor to give me that account number but again he refused ( XXXX, employee XXXX XXXX ), after an hour and half of wait! Question, those are accounts that I created myself in the past and transferred funds to in the past. Why does BOA deny the consumer access to information they actually created?