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

Representative hesitant about starting investigation, and stated it had to be against debt. collections laws- I stated it was and there were other breaches of laws as well. When done with investigation nothing was done but updating my information and all " illegal '' debt still remained. -Legal Breaches for debt- On matter of item > The XXXX XXXX ( Originally Opened XXXX ) -CA Statute of limitations > The Statute : California Code of Civil Procedure Section 337 Where the action is based on a written agreement, it must be filed within 4 years.Code of Civil Procedure 337 : 1 & 2. XXXX XXXX XXXX-Open-XXXX. XXXX XXXX XXXX XXXX-Open- XXXX. XXXX County DA-Open XXXX. Note File Upload > Double Jeopardy-5th Amendment ( XXXX XXXX-XXXX XXXX-with D.A. letter stating no further litigation required-Referral # XXXX > XXXX # XXXX ), SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. ( Sec. 1 added XXXX XXXX, XXXX, by Proposition 7. Resolution Chapter 90, XXXX. ) SEC. 10. A person may not be imprisoned in a civil action for debt or tort, or in peacetime for a militia fine. ( Sec. 10 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) SEC. 17. Cruel or unusual punishment may not be inflicted or excessive fines imposed. I have as of now " no '' verifiable substantial income. ( Sec. 17 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) -Fair Debt Collections Practice Act.-801-Short title 803-Definitions -part C.,807 False or misleading representations-a. & 4.. Fed. Statute Title 18, U.S.C., 241 & 242. U.S.A. Constitution 7th, 8th, and 14th Amendment breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Sent Them Several Letters Asking Them To Remove Incorrect Personal ( Incorrect Previous Address ) Information That They Put On My Credit Report.This Started After The XXXX  " Breach. " They Refuse To Give Me A Copy Of My Credit Report Claiming, All Of A Sudden After Years Of Receiving My Credit Reorts With Zero Problems That They Can't Verify My Identity.I Have Sent Several Pieces Of Information To Prove My Identity Including My Driver 's License And They Still Refuse To Give Me My Report Or Correct The False Information.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, NV XXXX XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$2800.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX ) XXXX Balance : {$1700.00} XX/XX/XXXX XXXXBalance : {$2800.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with Security Finance XXXX 

Upon receipt of the documentation provided by Security Finance, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that Security Finance has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.
Product: Bank account or service

I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please Help
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Drivetime engaged in Racial discrimination. Charging me a high interest loan despite high credit score.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2022, I used Venmo to pay my son 's after school tutor. Her fee was {$75.00}. I accidentally entered {$7500.00}. As I tried to cancel the payment somehow I hit pay. There is no option to recall the money at Venmo even if there was a mistake. Venmo also charged me a {$220.00} fee for the transaction They then stated that I needed to have the person I paid send me the money back to me but then they would have to pay a {$220.00} fee. {$450.00} in fees for a simple, XXXX finger mistake. I called my credit card company and filled a chargeback dispute. They said they couldn't do anything until the charge hit my account but then it could take 75 days before the investigation would be complete and there's a chance I might not be reimbursed for the {$7500.00} and I would not likely get the {$220.00} transaction fee back. None of this seems legal or right. Please assist.
Product: Credit reporting or other personal consumer reports

My identity has been misappropriated and sold/ bought on the XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : 0 0 High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by XXXX Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

The issue is with the purchase on XXXX that involved the XXXXXXXX XXXX prepaid card Case # XXXX It concerns a purchase of banknotes which were fraudulently listed as valid tender ( the Police report was also filed about the matter ). The dispute for {$33.00} was made in XX/XX/ and to this date the XXXX XXXX is asking for repeated info regarding the same complaint although the full info was sent to them as attached file back in XXXX which in detail describes the issue. At one point the company wanted the verification of the ownership of my prepaid card that the purchase was made which is outrageous since this was presented to them right off the start. And now the requirement is made for a return tracking # of the item which is retained as evidence in possible criminal matter. 
It appears the XXXXXXXX XXXX didn't even submit the complaint to the issuing card but it is trying to wait me out with the everchanging paperwork requirements which shows how insidious and bad faith this process is. 
If the issue is not resolved I will take the matter to small claims court as it is apparent that in addition to the seller of the demonetized banknotes being anonymous ( fake name ) the XXXXXXXX XXXX is actually aiding and abetting this fraud by failing to process a complaint as listed in its XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I

completed a 36 month lease agreement for a XXXX XXXX XXXX   with XXXX XXXX XXXX XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While XXXX XXXX XXXX   had possession of said vehicle, XXXX XXXX XXXX   was given a detailed inspection list of wear and tear for end of lease damage. XXXX XXXX XXXX in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX XXXX XXXX.

as of XX/XX/XXXX XXXX XXXX XXXX still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
Product: Debt collection

This is a timeshare. I went to a seminar with my now ex-boyfriend. I did not qualify at all when we applied, not with credit or income, but my ex, XXXX XXXX did. XXXX was on this account solely to my understanding. But they added me to be able to call and set up vacations. I did not accept responsibility for this loan when we signed up for this because we were not married. it explicitly was stated to the people at the time share that I did NOT want to be on this with him, so they gave me this round about position to be able to make reservations, which I agreed to. 
Not too long after signing up for this, XXXX and I broke up. He apparently stopped paying on this and XXXX started to call me because they couldn't reach XXXX. 
Again, they were not trying to collect a debt from me, they wouldn't even give me access to to the account, I couldn't ask any questions about anything, balance, status, nothing. I couldn't even get the account number. 
I attempted to get ahold of XXXX and he didn't respond to me either. this was about 6 months ago. 
As of today, XXXX placed this account into collections with Pinnacle- and it is on my credit report for over {$50000.00} of collections. I am furious. I never even had access to this account and I was never even supposed to be on anything. I stated this so much. I tried to call XXXX and Pinnacle today and XXXX wouldn't give me any information and Pinnacle said I owe these money.

I don't even understand how this could happen. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Employer XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a notice from XXXX XXXX concerning a bill of {$400.00} that I supposedly owed to XXXX XXXX. I do not have an account with XXXX XXXX. When I contacted my local XXXX XXXX store in XXXX XXXX Indiana they told me that I had no outstanding debt. I do not understand why this company is sending me this letter I do not owe any money. I feel like this is A fraudulent letter.
Product: Debt collection

This company Wakefield associates just put this as a case from XX/XX/XXXX which is a LIE, I took My son to an emergency room and he had insurance I told them I didn't have insurance and didnt want to be seen, they tried to scam but that was in XX/XX/XXXX NOT NOW, another agency tried to charge {$140.00} and got shut down these freaks are trying to say I owe {$630.00}, I am a single mother TIRED of getting XXXX over by these frauds I cant get approved now to buy a property and I need somewhere to live with my sn. I am renting a room in someones house because my credit is so bad
Product: Money transfer, virtual currency, or money service

I am a student living in XXXX XXXX, California and I am moving to XXXX to continue my studies. I contacted someone in a XXXX XXXX New York XXXX, XXXX - Housing, Apartments, Rooms, Sublets, Roommates called XXXX XXXX for assistance to rent an apartment for a month in XXXX. He helped me along the way and provided this site XXXX XXXX XXXX  as backup for his fraud. He assigned me an apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX where I paid {$1400.00} XX/XX/2021 on a XXXX transfer. However, after paying I found the same apartment at XXXX XXXX XXXX and it look totally different. 
I got an offer to pay two month so I could get the third month for free and I accepted the deal. When I asked for a new contract, XXXX XXXX asked me to deposit the money on a different XXXX user belonging to XXXX or XXXX instead of depositing the the inicial XXXX account to XXXX or XXXX. Through XXXX I got the lease contract which seem totally transparent, but then I notice that in their website there are some agents names which I looked at XXXX website and found XXXX XXXX XXXX and saw that her pictures were liked by XXXX people mostly from XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and others. That was what made me open my eyes about the fraud. 
I am willing to help and provide any prove you need about this incident. I already reported it to my bank.
Product: Credit card

My Victoria Secret Credit Card has been used a maximum of 3 times and each time I pay the balance in full. After not having used my card in almost a year I went to use it and it was declined. When I contact them, I was told it was interest and late charges, although they did verify, I had paid the balance they stated there was additional interest due and the agent stated, " I can't explain this ''. But then stated I needed to pay over {$200.00} in interest and late fees? When I requested a transaction history, she stated the only way to get one is to request it in writing. I do not owe this dollar amount and have a right to get my transaction history in order to prove that.
Product: Debt collection

On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this. 

I have been harassed by flurries of threats and motions/ correspondence by XXXX  XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy. 

My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX. 

I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract. 

The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX On XX/XX/XXXX I looked at my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/XXXX asking them to investigate this nine inquiries # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re investigate and violated my right. Thank you