23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and XXXX I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
PERSOLVE LEGAL GROUP is now trying to collect {$17000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own  for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " 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 obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX abuse shelter Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation
Product: Debt collection

XX/XX/2019 a 93A Demand notice was sent to Source Receivables informing them their listed collection on my credit report was in violations of the below law with a demand for removal of account. They had 30 days to take action from point of receipt. They failed to remove their listing. 

Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. Source Receivables is reporting under their own name. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may,  with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 )  Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor XX/XX/2019 a second notice was sent via certified mail informing them of their illegal actions for continued reporting and failure to reply to a 93A Demand. They failed to remove their listing and failed to provide a proper reply. 

XX/XX/2019 a third notice was sent via certified mail. They failed to remove their listing and they failed to reply. 

Overall : Source Receivables is reporting illegally to the bureaus. Under mass law after receiving a 93A Demand notice they were legally obligated to not only reply but also to take action in regards to their illegal activity. They have continued to break the law in effort to collect on a debt they have not validated.
Product: Debt collection

Never received any communication from this company. Not a letter, a phone call or any collection attempts from this company. I learned about them when they showed up as an open collections account on my credit reports. They began collections on an old XXXX charged off account from four years ago or so. It may have been an account that was discharged in my Chapter XXXX bk in 2010 for all I know. They reported this account as a new collection account and have continued to present this debt as a much newer and ongoing collection account. When I attempted to contact the company many months ago using the contact information provided on the credit report, I was unable to reach this company. The phone number was bad. I disputed the information, however XXXX of the consumer reporting agencies somehow sided with this agency and so this fictitious account remains on my reports and is continuing to negate the last two years of hard work I 've put in on rebuilding my credit. I would also like a letter of apology for misleading and harmful information the company has continued to file, or a letter reporting the true account information so that I may include this letter with any credit or mortgage application to show that I am not currently delinquent, and it will show that I have been current on all my accounts for over two years now.
Product: Debt collection

Moved to XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX. Prior to moving out I called XXXX XXXX XXXX XXXX XX/XX/XXXX requesting exit walk through as stated on lease. No response from the front office for a clearance. XX/XX/XXXX I was called and emailed with false accusations I damaged carpet and carpet had to be replaced. Also told if I did not pay for damages it will be placed on my credit report. XX/XX/XXXX I tried to inform XXXX XXXX XXXX XXXX did not damage carpet and proof images of carpet before I moved out. Front office told me it doesnt matter what proof I have, I will have to pay for damages. In addition, tried to resolve issues with XXXX XXXX XXXX XXXX management authorities. Next attempt help resolve issue was dispute credit with all 3 bureaus year XXXX and XXXX. As of today still no resolution. I am annoyed and overwhelmed because this is not my character and do not have a history of behavior accused.
Product: Credit reporting or other personal consumer reports

I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry Equifax XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry
Product: Credit reporting or other personal consumer reports

Multiple unauthorized credit inquiries from Capital One Bank USA and Capital One appeared on my credit report. These inquiries were made without my knowledge or consent and occurred on the following dates : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) I did not apply for credit or authorize these inquiries. I believe they are tied to identity theft, as I have no accounts or applications with Capital One. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I have the right to dispute and have unauthorized inquiries removed. These inquiries are damaging my credit score and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sued XXXX for brand new XXXX  XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. XXXX agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. XXXX XXXX sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.
Product: Checking or savings account

On XX/XX/2021, I placed a call to Wells Fargo about unauthorized transactions on my account. I later called on XX/XX/2021 to receive the resolution about the fraudulent charges and they indicated that the claim has been denied, due to response indicators. The responses that the XXXX noted, were not consistent with the answers that I gave the XXXX during the recorded conversation. Wells Fargo has not shown the burden of proof of authorized transactions. The charges are fraudulent and are with a merchant that I have not consented business with. I am not liable for the transactions, therefore, the full amount that has been charged needs to be reimbursed to my account. I have spoken to Wells Fargo about my complaint, but they have not accommodated this issue, leading me to further enforce my legal rights with several other entities. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I own a checking account at capital one bank, they offered me to apply for a credit card. 
I accepted that offer and the bank opened me a credit card without any issues XXXX XXXX XXXX 
After a couple of weeks later they requiered a XXXX XXXX  ID. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit card was opened with my passport and XXXX document XXXX XXXX XXXX  accepted.
Product: Money transfer, virtual currency, or money service

Sent {$260.00} to a client for cash app and misspelled name and sent by accident cash app will not help get a refund and the person keeps denying my refund and wont send it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
Product: Debt collection

This so-called " company, '' Portfolio Recovery, calls incessantly on both our home line and now my new cell. Check the reports on the XXXX  phone lookup ( XXXX XXXX XXXX  ) : They are scam artists and need to be shut down now. Per the alert on that site, dated XX/XX/18 :

Portfolio recovery junk debt buyer, they will harass and threaten with being arrested and put in jail. They are in violation of Federal collection laws and have been sued hundreds of times in the last year and have lost. Report the number to your states attorney generals office and the FTC, FCC and XXXX. We don't owe anything, and I'm sick of their invasive harassment. Our landline is on the national Do Not Call registry, and I am putting my cell # on that registry today, for whatever good it will do. FYI, they apparently also change their # s to make tracking more difficult.
Product: Debt collection

My car was wrecked while parked outside of my home. A police report was filed and a part of the other car containing the vin # was found. The vin # reported back to a rental car from XXXX. I contacted XXXX who stated the person who rented the car claimed the car was stolen and they would not be accepting responsibility. My insurance ended up taking responsibility. I had full coverage through my insurance with XXXX as well as GAP insurance through XXXX. Both companies made payments, but Suntrust states there is still a balance on the account. 
There should be no balance on this account as I made my monthly payments on time throughout the entire duration of the car loan, and had both full coverage and GAP insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has access to my personal information and its ruining my credit by applying numerous accounts I don't have knowledge of what or what this could be.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity bank has NOT reported any of my payments in the last 2 months! It shows a balance of {$3300.00} when it is actually {$500.00}! this is affecting my credit score drastically and we are trying to buy a car. Because they have not reported ANY of my payments which total to almost {$2800.00} my credit score is lower than it should be preventing us from buying car!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, the issue is that Experian has intentionally made the process of adding and removing a credit freeze unnecessarily error prone and difficult. In addition, they offer a paid credit freeze service, which does not have these difficulties. So, they are trying to prevent customers from the accessing free services that the fed govt requires them to provide. 

I recently needed to freeze my credit file with the big 3 credit bureaus due to identity theft. XXXX and XXXX were simple and this could be done online. Experian however had a labyrinthine website that kept trying to trick me to pay for a credit freeze. When I finally found the free credit freeze, it took me to an outdated looking page that only have me errors. I had to call on the phone to get my credit freeze. 

When I wanted to remove my credit freeze, again I had no problems with XXXX and XXXX and was able to do it online in minutes. With Experian, again their outdated web page gave only errors. I called their phone number but was routed to the automated service, even when calling and dialing to a human first. Even though I had the correct PIN number, Experian insists that I must send a paper letter to have the freeze removed. 

Their system is unnecessary burdensome and in stark contrast to the ability to take care of the credit freeze online. As a consumer protection issue, they are preventing us from accessing the credit freeze/ unfreeze services to which we are entitled.
Product: Credit reporting or other personal consumer reports

I am writing to disputed Acoount on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 156 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. hard 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a derogatory remark from equifax on my account, from XXXX XXXX for {$14.00}. I have not received any service from them. I have not received any bill in the mail from them. I haven't even been x-rayed in two years. I submitted a dispute XXXX XXXX. No response still and it's XX/XX/2020 as I'm writing this. They have had plenty of time to sort this out.