23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The basis of my complaint is that Fidelity Creditor Service has been reporting against my credit since XXXX without valid proof of debt. 

In spite of their claims to the contrary they have never provided any proof. Since I know for a fact there was never any agreement between me and the supposed original creditor it is impossible that any proof could exist. Since XXXX FCS has been trying to force me to pay them {$9300.00} without a Contract or Agreement, Signatures, Invoice, or Court Order. Nothing in the documents they provide implies, suggests, or proves a debt for any amount is owed by anyone. They continue to illegally report against my credit trying to force me to pay them {$9300.00}. 

This was totally substantiated by the documents they eventually did send me due to the complaint I filed with the CA XXXX in XXXX, XXXX. In their accompanying letter FCS suggests that if any questions I should contact the original creditor XXXX XXXX. I have informed FCS many times the original creditor XXXX has been out of business nearly 3 years. I have repeatedly requested from FCS updated contact info. Call the phone number they provide and hear for yourself it is no longer in service. A perfect example of how FCS tries to intentionally mislead and misdirect. Copies are included. 

Fidelity Creditor Service insists a proposal form and filings for dismissal of a small claims court case is considered a valid debt. This filing clearly shows me as the plaintiff and the supposed original creditor as the defendant. She in turn was going to countersue. Both cases were dismissed before going to trial. A quick search of XXXX County public court records using the case number provided from FCS clearly shows the entire case dismissed. A copy is included. 

In XXXX, XXXX I filed a complaint with the CFPB against Fidelity Creditor Service in an effort to force them to provide to me proof of this debt. They could have just simply sent it to me but instead uploaded a reply full of inaccuracies clearly designed to confuse. Their reply states they have validated this debt and are quite satisfied having it remain on my credit. 

To help illustrate the frustration dealing with the ongoing FCS lies and deceit I am including a page from my credit report. It is the result of an XXXX request sent in XXXX, XXXX to FCS on my behalf to validate this debt. A copy is included. 

I am also including documents that while not directly connected to my situation illustrates how FCS has a proven history of a complete lack of moral or business ethics to attack unsuspecting consumers. It is my opinion the XXXX/FCS operation is unlawful and predatory. They advertise that a consumer 's credit will be reported against for a small fee while taking no responsibility whatsoever regarding debt validity. 

Sincerely, XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX FABCO dba Federal Adjustment Bureau XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX : Letter of Intent to File Suit To Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against FABCO dba Federal Adjustment Bureau for {$25000.00} as a result of violations of The Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ; commonly referred to as XXXX ) and Unfair, Deceptive & Abusive Practices ( UDAPP ). I contacted your company which listed a fraudulent account on my credit on several occasions. At which time I requested you remove the fraudulent listing and have even sent verification from the Criminal Investigations Division of the XXXX XXXX XXXX Police showing the account is a result of identity theft. During my final attempt I requested very specific documentation to show this account is valid knowing full and well such documentation can not be provided as it is a result of ID Theft. To which you responded with a packet of paperwork which did not include the information requested. Thus rendering the debt invalid under FDCPA. Your company not only continued to report the invalid debt on my credit but also sent me notices demanding payment on said fraudulent account. 
There was no evidence to support your claim that I owe or agreed to this debt outside of what appears to be a line written contract which I did not sign. The " Signature '' bears no resemblance to my own and you failed to furnish anything of mine ie. a drivers license or social security card. Considering I work for a law firm I have never seen a lease agreement that the rental agent did not obtain of copy of such documents. 
Your company was also provided a " Release Of Claims '' understand that release does not have any bearing on this case considering it sites specific laws your company was release from liability on. Now given my previous experience your company will draw out the process for as long as possible but due to the negligence and disrespect exhibited by your company which I have no problem with. I also previously advised I would be working with a lawfirm. At this time I have opted against doing so and will be handling the case myself. 
If you choose to just pay the {$7500.00} and avoid further cost to your company that would be agreeable. If not then this letter will serve as your 14 day Initail Demand prior to suit being filed. 

Your prompt attention is appreciated, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$450.00}
Product: Checking or savings account

Citizens bank closed my checking account. Now I am receiving letters stating I owe money on a closed account. I was told it was closed so I am not sure why I would owe on a closed account. 

I was victim of identity theft in XX/XX/2019, and I am upset that the bank could not close an account without charging me fees. I spent a lot of time due to the id theft and I thought this was over. 

At this point, I want this matter resolved, no charges, or I am removing my money from this bank. I wanted this bank to help me and I have had nothing but trouble since the id theft.
Product: Debt collection

XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 
I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt or credit management

I was charged multiple fees for months by Lexington law an didnt receive any service promised by them had to cancel my card to stop the charges
Product: Debt collection

Jefferson Capital System Placed on amount on my credit for {$900.00} without my knowledge. I have never spoken to them i do not not this creditor by law they need to validate this debt i haven't received anything from them to say i took this monies from them, when i called they stated they will not removed it which i considered a threat because if u cant validate i owe this monies then it mist be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX 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
Product: Vehicle loan or lease

On XX/XX/2023, I purchased a vehicle and extended warranty from US Auto Sales. Although the warranty was rolled into my loan, the payment was never made to the warranty company ( XXXX  ). My vehicle broke down XXXX weeks after I purchased it ; its doors were closed, and they did not make good on the XXXX XXXX XXXX warranty, nor did they pay for my extended warranty. I had to pay to get the vehicle repaired. At XXXX weeks, my vehicle broke down again. I had it towed to the mechanic and spent several months trying to get the vehicle repaired. XXXX refused, citing that they were never paid. When the account was transferred to Westlake Portfolio Management, they refused to address the issue, citing that they just service the loans and that the defunct US Auto Sales would need to be contacted to resolve the issue. Approximately 2 months ago, I contacted Westlake again, as they had reported a delinquency on my credit report to address the issue. They stated that a warranty was purchased and that I had access to it. This was some 6 months after my vehicle purchase. The mechanic recently reached out to Westlake to find out if they wanted to pick up the car ; the mechanic was told they did not want the car. US Auto Sales breached their contract, and I'd like this account moved from my credit report and the contract canceled.
Product: Student loan

1 ) I signed for a XXXX year grace period when I first took my loans. They used up my signed for grace period when I had to transfer schools. When notified I let them know immediately that I had been in school all that time. They noted and documented my account with that information. It was supposed to be restored upon my 2016 graduation. That did not happen. In XXXX 2016 I started getting calls, and constant harassment about payments. I kept insisting on my rights, and they kept telling different stories and giving different options every time I talked to some one. No one had the same story. They all had different requirements for me to do. I am a XXXX ... I know hoop jumping and legal jargon when I hear it. I worked as I went through school ... I know when someone is doing double talk. 
2 ) They stopped calling me, the primary loan borrower and harassed my cosigner constantly. After continual battling, I had started to make minimum payments but they kept calling and harassing my cosigner not me. When on the phone with someone, you spend an hour rehashing all the details that should have already been in your account. They do not listen. You try to offer solutions within your real income, and they stick what their computers say. They do n't listen. They do n't care. They have their agenda which does n't include your real situation. It often ends with hostile comments such as " Well than, we ca n't help you. '' So why offer at all? Some of their solutions are to pay {$50.00} to have it return to the balance on your loan to gather more accrued interest. They offer no solutions for simplifying your loans into XXXX. They make you pay multiple loan accounts, which adds up fast when all their interest rates are different. They have excruciatingly high interest rates. They rework your paper work without your consent. Then they make claims of helping but really, they 're looking to make you pay more. No XXXX people will ever tell you the same story. You 're lucky to get the same person you called before. IF you do not ... then you 're rehashing over and over and over while continually being treated like you 're stupid. 
3 ) No XXXX representatives offer the same solutions, and they always act like I am an XXXX and that I do n't know what I am talking about. They 're abusive, rude, and do n't really offer solutions. Even when you the borrower want to negotiate better rates of repayment. They claim XXXX of XXXX scenarios : They are a Private Bank ( when the mood fits ) or they 're a " Student Loan '' organization. They jockey those terms back and forth muddying the waters of what they 're capable of. 
4 ) I have already filed a complaint with my State AG. I will be filing complaints with all my representatives at the State and Federal level, as well as with the Federal AG. I am tired of these legalized loan sharks abusing their customers who are former students trying to pay them back. It is both XXXX XXXX and its subsidiary Navient, that cause so much problems. They just have loan sharks in the background and do n't want to renegotiate. They think they can bully their customers.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX I have no connection or knowledge of these three accounts and these bureaus arent helping me. 

XXXX XXXX # XXXX balance {$31000.00} XXXX XXXX XXXX {$500.00} closed XX/XX/year> XXXX XXXX XXXX back # XXXX balance {$60.00} Please help me these arent mine Im just now able to get on with my life without looking over my shoulders
Product: Credit reporting

My last name is misspelled on my Equifax and XXXX XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, 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 an account without my written instructions.
Product: Credit card or prepaid card

There was a charge made in my Venmo issued card. I did not place the order and did not receive the item that they said was ordered. The charge originated from XXXX. I contacted XXXX  and they were not able to find an order associated with the transaction. The claim number is XXXX. 

I filed the dispute on XX/XX/XXXX. I was told they are waiting for the merchant to respond. To date the merchant has not responded. I contacted Venmo and was told the the mediated the dispute on XX/XX/24 and I have to wait 50 days from that date for the merchant to respond. This pushes the time to almost 5 months. 

I dont understand why I am waiting additional time for an unresponsive merchant to respond. They keep extending the time for a resolution. This seems unethical. Im sure there is a time frame for this. 

I recommend people be very careful with using Venmo. They do not have the interest of their ad users as a priority and do not protect them.
Product: Money transfer, virtual currency, or money service

I was recently hired by a company in XXXX XXXX, TX called XXXX. They utilize a service called " daily pay '', an app which charges a convenience fee to get paid daily. This is in lieu of a normal bi-weekly paycheck. I had to make this decision hastily, in the middle of training and on-boarding with the company. 

I did not realize there was a " convenience fee '' which amounts to this being, essentially, a payday loan service charging an exorbitant fee if you convert this to an APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.
Product: Checking or savings account

Contacted wells fargo bank about a charge on my account. XXXX XXXX lost my package worth {$110.00}, i tried to contact XXXX XXXX and they tried giving me someone elses tracking info from a different state and told me it was delivered. Disputed the charge at Wells Fargo, they denied my claim. I sent screen shots of me trying to contact XXXX XXXX and the carrier service and they took back the credit and i lost {$110.00}.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

What happened? In XXXX suspicious communications from XXXX and XXXX appeared on XXXX XXXX XXXX, A user agreement was suppose to be provided placing each student on XXXX under super-vision of XXXX Describe what happened, and well send your comments to the companies involved. : XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX did not offer to be that they were involved in the XXXX XXXX XXXX XXXX filming about MECN which published my identity Without consent, These types of Personal Health Violations have caused me XXXX XXXX XXXX XXXX XXXX XXXX have been published with XXXX XXXX and XXXX XXXX, As a XXXX XXXX  Climber I was forced to rescue a potential infant from a potential burning building flight XXXX Floor where I had to Climb the building with my hands and feet which are now XXXX after being beaten by the companies who have posted this continuous fraudulent records without my consent, I was separated from XXXX  Related Judge because I was A victim of XXXX XXXX, companies opened accounts with my name ( Fraud ) without my consent XXXX times Include dates, XX/XX/XXXX Total : XXXX XXXX XXXX XXXX XXXX : FTC XX/XX/XXXX Total : {$68000.00} XX/XX/XXXX Total : {$2400.00} XX/XX/XXXX Total : {$8000.00} Total Estimate : {$78000.00} Filming : XXXX Suspect : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX  Acct # : XXXX Account name : XXXX XXXX XXXX  XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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