23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Portfolio Recovery filed a motion for continuing writ of garnishment on a debt that was paid in XXXX and was charged off in XXXX ( 11 years ago ). Over the years Portfolio Recovery has contacted me about this debt and in XXXX I explicitly told them I had paid this debt with XXXX  XXXX ; as I had acquired new credit cards from them and I had to pay my outstanding debt to be in good standing with the company. This seemed to suffice at the time ; however, 5 years later, Portfolio Recovery has now contacted my employer ( XXXX XXXX XXXX  and is trying to collect a debt that was paid, not valid and they did not validate ; since my last interaction with them. This has no doubt caused reputational damage to my relationship with my employer and when I contacted them today XX/XX/XXXX to notify them of the issue. None of the XXXX litigation representatives which include XXXX XXXX, XXXX XXXX, and XXXX XXXX were able to assist to rectify the problem. Instead, they gave me the run around by having me file a dispute which takes XXXX days to resolve, while my employer will be debiting my account in the next 14 days.
Product: Vehicle loan or lease

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX in XXXX ( XXXX ). The car wasn't ready for pick up until XX/XX/XXXX. They took possession of my car on XX/XX/XXXX. However, they alleged they paid off the car in 21 days. To this day the refinanced auto loan with Capital One still shows not only due but past due by two payments and they are adding interest and fees. How is this even legal? The loan is in my name- THEY have the car. They also lost my plates and the brand-new bling plate covers. XXXX in finance keeps saying it's taken care of - online activity and when you call Capital One says it's NOT taken care of. I don't have plates for the new car, I have two open car loans totaling over $ XXXX and only one car that's far from that worth.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

I have contacted EQUIFAX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency.

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Checking or savings account

I put in a withdrawal on XX/XX/XXXX for {$500.00} and I still have not received any of my money or bank statements from this company. This is for Axos bank.
Product: Debt collection

I filed a dispute via the credit reporting agency asking to receive a detailed account of my medical bill from XXXX XXXX. I received 2 bills from XXXX XXXX just after I was treated which outlined in detail the services I received. I paid those promptly. Months later, I received the {$850.00} bill from the collection agency. I disputed asking for a detailed, line item receipt of the services I was being charged for as I feel is my right, but was never provided that information. Yes, I did contact the hospital for that information, no information was forwarded to me, nor could they tell me exactly what this charge is for. 

Regards.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance.

15 U.S.C 1681 section 602 A. States I have the rights 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 I will have no choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment with a realtor and underwent a tenant screening and I was denied because of my consumer report I reached out to Chexsystems and XXXX  but I have not received a report explaining the reasons or a full report was not provided to me. I am a victim of identity theft and I am requesting a copy of my consumer report so that I can be able to dispute any fraudulent debt or accounts on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX 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 XXXX XXXX XXXX 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 was noticed last night my credits were being looked about by capital one. I did not open a credit card someone used my information. They got my XXXX and XXXX credit reports. I called the company they said there was no account under my name but this afternoon XX/XX/23 capital one called to let me know there was a fraud department asking if I opened an account and I said no. The told me to notify XXXX and XXXX to let them know it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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: Mortgage

I paid off my mortgage to Mr Cooper on XX/XX/XXXX. They than took additional monthly payment from me on XX/XX/XXXX. I contacted them and they said it would be 30 days to refund my money which is not fair. The loan was a mortgage # XXXX XXXX XXXX. Those funds never should have been taken from me as I do not owe them anything and turned off autopay upon paying off the loan. Thrity days is way too long to pay me back.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were opened fraudulently as a result of a data breach, making me a victim of identity theft. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized items be permanently removed from my credit file. 
Accounts to Be Blocked and Deleted 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 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: Credit card or prepaid card

On XX/XX/2023, I ordered furniture from XXXX, my order glitched and somehow duplicated itself, making a double order for the one product. I reached out to XXXX via the app to request a cancellation on the faulty order. Instead of a cancellation, the order was shipped out to me, against my will, since I had previously tried to cancel the order, the next day on XX/XX/2023. The package arrived and I requested a return through the XXXX app. On the XXXX of XXXX. XXXX XXXXXXXX came to return the item, but it had no XXXX label. I was told that they couldnt ship the product back without a XXXX label. The product did in fact have the label present for the third party seller. I spoke with XXXX again, letting them know that there was a label for the third party seller and she satiated that they would come back out and pick it up. They came out on the XXXX of XXXX and got the unopened extra package. The lady from XXXX XXXX  sent me screen shots and information regarding the tracking and delivery of the package. It was an 86 lb, rustic brown dining room set item # XXXX The package was delivered to the third party, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX on XX/XX/2023. I then called XXXX XXXX XXXX to clarify that the item was delivered. It was confirmed by an employee that the item had been delivered safely and that my refund would be posted to my card in 10 business days. She gave me the date of XX/XX/2023 as my refund date. Once that date arrived and there was no refund, I called and spoke to someone else, exact same thing happened, except this time I was told that my refund would be sent to my card in 24 hours, which never happened. After calling and being lied to and deceived for another week, I filed a dispute with my cardholder ( American Express Serve ) XX/XX/2023 whom claims to have done a dispute investigation, but in the favor of the merchant, who has their product and my money, which isnt right. So i asked to be sent a copy of the investigation documents that supported their decision and I have yet again not received any information. I am writing this complaint because this situation is causing me extreme mental anguish. I have been working with these companies to the best of my ability to get my money back and its like no one is taking this serious.
Product: Debt collection

This so called collection agency has called me multiple times. They called about an old 5/3 account I had well over 10 years ago. It sounded funny so I personally contacted the bank to which a letter was delivered to me saying my account was closed, charged off and that they were not looking for any funds/ restitution on the old account. Furthermore, they also said " Fifth Third Bank has not contracted with ANY company to contact you ; ANY company that may have called you regarding your previous account with us is NOT acting on behalf of Fifth Third Bank. '' The " case '' manager with this " business '' claimed that I wasn't answering her questions so she escalated my case to the escalation department. Thats when things got funny. The lady claimed she was the director of communications for escalation and that I needed to pay the account or she was going to make sure my accounts were frozen, my income would taken, and anything I owned would be taken away. I informed her that I contacted the bank and they informed me they did not contract with them and she began to yell at me and even threatened my family. She told me she wold inform the military that I refused to pay a debt. I asked her why she was yelling at me if she was a law firm this is not how you speak to anyone. She proceeds to tell me that she was going to push my case to the top of the file and see to it that my accounts were frozen, assets taken and then hung up.
Product: Vehicle loan or lease

18 U.S. Code 1348- Securities and commodities fraud Global lending services reached out via email and said they would reach out via phone and never did. This car loan was obtained fraudulent and Im requesting the {$2000.00} I submitted initially to obtain loan was fraudulent and requesting that {$2000.00} be returned. XXXX XXXX XXXX Maryland on XXXX XXXX obtained funds illegally I am requesting this agency thoroughly investigate this loan the car note is XXXX for a 2021 XXXX XXXX  loan number XXXX. I only received XXXX key never received actual car loan documents this needs to be investigated car note should not be XXXX and {$2000.00} should have not been requested in order for me to get loan
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against Equifax regarding inaccurate information on my credit report related to late payments reported for my XXXX  account ( Account Number : XXXX ). Despite submitting XXXX formal disputes on XX/XX/year> and XX/XX/year>, no corrections have been made. This negligence violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Violations Identified : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputes and ensure the accuracy of the information they report. The persistence of inaccuracies in my report indicates a failure to comply with this requirement.

Truth in Lending Act ( TILA ) : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccuracies in late payment reporting suggest a violation of this provision.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint to other relevant agencies and consider taking legal action to address the harm caused by these inaccuracies.

Thank you for your attention to this matter. Please contact me if further information is required. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called chime about an issue depositing a check. The employee told me someone would call right back to help with this. I answered phone and person identified themselves as a chime employee. This man had me download an app..took all of my money and sent it to an unknown person. I disputed this with chime to get my money back and I was denied. 
Scammers took XXXX all my money
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU.

PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.