23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim {$3200.00} charge off. This is a formal notice that your claim is disputed. 
Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. 
Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I informed Bull City Financial Solutions that they are not licensed to collect a debt in NY state and they informed me that they have a certificate of authority and upon my research they are mistaken. 
" A Certificate of Authority is a basic registration requirement for businesses operating in New York State, but it does not grant them permission to engage in debt collection activities. Debt collectors in or outside New York State need to obtain a specific license from the Department of State, Division of Licensing Services, in addition to registering with the state. 
Debt collectors must also obtain a license from the New York State Department of State, Division of Licensing Services, and comply with the New York State Debt Collection Act. 

this is what it says on the NYS DCA 'The law that states debt collectors must comply with the New York State Debt Collection Act ( NYS DCA ) is New York State General Business Law, Article 29-H, Sections 601-612. 

Specifically, Section 601 of the General Business Law states : " Debt collection agencies shall be subject to the provisions of this article and shall be required to obtain a license from the department of state before engaging in the business of debt collection in this state. '' This law requires debt collectors to register with the New York State Department of State, Division of Licensing Services, and comply with the regulations set forth in the NYS DCA, including obtaining a license, maintaining records, and following specific guidelines for debt collection practices. 

It's important to note that the NYS DCA is a consumer protection law that aims to regulate debt collection activities in New York State and protect consumers from abusive and deceptivepractices. 
he requirement for a debt collector to obtain a license, in addition to a Certificate of Authority, is stated in the New York State General Business Law, Article 29-H, Section 602 : " A debt collection agency shall not engage in the business of debt collection in this state without first obtaining a license from the department of state ... A certificate of authority issued pursuant to section 201 of the limited liability company law or section 303 of the partnership law shall not be deemed to be a license for purposes of this article. '' This section explicitly states that a Certificate of Authority, which is a basic registration requirement for businesses in New York State, is not sufficient for debt collectors. They must obtain a separate license from the Department of State, Division of Licensing Services, in order to legally collect debts in the state. 

So, while a Certificate of Authority is necessary for a debt collector to operate in New York State, it is not enough on its own to allow them to collect debts. They must also obtain the requiredlicense. 

if they do not have a license then this is illegal debt collection practice. 

I also submitted proof on the attachments that shows bull city financial is not licensed in New York state.
Product: Debt collection

On XXXX I received an email that a new collection was added to my credit report the email was from XXXX XXXX 
Kimball-Tirey & St.John LLP A third party collector foXXXX XXXX XXXX XXXX XXXXXXXX have multiple times added a debt of over {$4000.00} to my credit report. It was removed once then placed on again. I have disputed it multiple times. It is also on my partners report as the same amount of more. 
The letters and reports are separate not placed on as a joint account. 
The judgement was {$630.00} I agreed to pay the {$630.00} and the {$360.00} Attorney fees before the 3 day notice to the original creditor I was informed that I could get a money order for the XXXX which was the above and late fees plus the new rent and then we would be ok. When i took the money to the landlord she refused the money order and said her boss told her to refuse it. I had to cash the money order and pay what was due {$630.00}. 
By mail. The holdover damages and costs were not something I agreed on or anything included in my contract. The lease was forfeited. Since XX/XX/XXXX I have received multiple bills for different amounts and harassing phone calls not only myself but XXXX XXXX who was not in the lease but for an additional XXXX. 
This has effected my credit terribly. I did not do business with this company and they are not familiar with my account and the charges they keep adding and interest are disputable and make no sense also I am unsure of their intent by adding this to my credit as a new collection at least 1time per month. The creditor refused the payment and the due amount that is an actual charge I owed was paid but the amount I payed is included in their bill repeatedly. We have actually been living in a motel since this happened. The market went sky high and XXXX came so it has been a nightmare for my family and it continues to ruin both of our credit. Is there anything that can be done for me? Please let me know. I can't get anything with this in my credit report it is effecting my entire family. XXXX XXXX.
Product: Debt collection

I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.
Product: Checking or savings account

Firstly, I PAID MY STATE OF XXXX STATE INCOME TAXES ; AND MY FEDERAL TAXES. WELLS FARGO BANK SENT MY STATE PAYMENT ; TO the U.S. TREASURY TAX PAYMENT. SECONDLY, MY FEDERAL TAX LIABILITY WAS {$1000.00}. MY STATE OF XXXX TAX LIABILITY ORIGINALLY WAS {$1700.00}. XXXX HAS ADDED LATE FEES BRINGING THE CURRENT PAST DUE TO OVER {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a XXXX leased by my brother, of which I am a co-signer, was towed because it was parked on a public street with an expired registration. The car was unable to be retrieved from the impound lot because the XXXX Offices were closed due to COVID pandemic and a new registration could not be obtained. In XX/XX/XXXX, XXXX retrieved the vehicle and my brother paid approximately {$2300.00} to take possession of the vehicle. XXXX reported this actions as a repossession to all three credit bureaus. My credit score dropped from XXXX to XXXX. 

XXXX incorrectly reported that the account had an overdue balance of {$1900.00}, and was closed. I disputed the delinquency with all three bureaus. XXXX corrected the issue, and my credit score as of XX/XX/XXXX was back over XXXX. Experian corrected the information but did not adjust my credit score. XXXX is still processing the dispute. 

I am here to formally complain about Experian. It is impossible to speak with a representative of the company. I have ZERO late or delinquent payments in my 17 year credit history. The current credit score given by Experian is significantly impacting my life. Experian should correct my score to reflect that the XXXX retrieval was no due to missed or delinquent payments, is currently open, and in good standing. There is an exceptional payment history on that account. 

XXXX has me over XXXX, Experian below XXXX. Obviously this is an error on the part of Experian and must be addressed.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized 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 XXXXXXXX fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Macys credit card to purchase my dress and take advantage of the promo the sales woman prompted. If I would have known all of this was going to happen and affect my credit I had the cash and could have paid that day. I gave the service agent at Macys my ID but also provided my new address. I never received a bill and they called me about a past due bill which I paid that day. I explained to the rep I never received a bill and confirmed my mailing address which they confirmed was wrong. I then gave them my address again. They are reporting a late payment on my credit which if you look at all other accounts I have never fallen delinquent. This is in violation of my consumer rights and is affecting my credit worthiness. The XXXX should be reporting this as paid and this should be removed from my credit history as it was originator error. Please find remedy immediately or I will be forced to file suit for XXXX, XXXX which each regulatory finding has a statutory damage up to {$1000.00} per finding. This is once again affecting my credit worthiness due to originator error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.
Product: Credit reporting or other personal consumer reports

Transunion, and XXXX have inquiries on my credit reports that I have not authorized. XXXX XXXX XX/XX/year> XXXX Transunion ) XXXX XXXX XXXX XX/XX/year> ( Transunion ) XXXX Experian reports show an inquiry for XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Equifax, XXXX, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow Equifax, XXXX, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, Equifax, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, Equifax, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.
Product: Bank account or service

I had an account with Paypal for years and because of their service I have occurred XXXX in bank fees. This is because of Paypal 's Instant Transfer policy that customers are forced into by providing a bank account number. I have been given paypal credit and their method of increasing credit is through purchases, however in this very process of seeing whether one can receive a credit increase if it is denied without your knowledge your bank account will be charged through their Instant Transfer policy.
Product: Credit card

On XXXX/XXXX/XXXX, I made an online payment to the wrong credit card company. Instead of sending the payment to my personal credit card account at Chase Bank, I made payment to an old account at JP Morgan Chase Commercial that had not been deleted from my banking profile. The JP Morgan Chase Commercial account has not been used in over two years and was reportedly closed upon my resignation from the Federal Bureau of Investigation on XXXX XXXX, XXXX. I contacted JP Morgan Chase and was told they could send a refund check to the address on file, which is my former employer. My former employer does not have my forwarding address, since I have relocated since resigning from the agency, and has failed to provide any assistance with resolving this issue. JP Morgan Chase referred me to XXXX individuals within the FBI that handle government travel cards and I have not received a response from either, although multiple messages have been left. I have contacted an employee at the FBI XXXX Field Office, who has been able to verify my account was closed and that the account now has a credit to the account in the amount of my erroneous payment. She has attempted to contact FBI Headquarters to resolve the issue, but has not received a response from anyone who can assist.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I saw these unauthorized inquiries from my credit report and I am disappointed by it since someone made these inquiries without my consent. Please be aware that I've sent documents for those unauthorized inquiries to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filled with every emotion! I am XXXX and sad at the same time! My initial response to the INACCURATE items on my credit report sent as stated in an earlier message on XX/XX/2020 and I also sent another letter ( demand to comply ) on XXXX which was 45 days letter from the initial letter I sent. Today is XX/XX/2020.. Commonly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 distinct events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest your organization eliminate this blunder from my credit report or face suit. In the event that you don't eliminate this mistaken data promptly I will record a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to coordinate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered liable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC protest. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see obvious proof ( i.e. : an exceptional buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. Also I will be contacting the Attorney General to help me assist with this matter along with seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a major problem with the credit bureaus. First my data was breached in an XX/XX/XXXXdata breach and then someone used my info to get cars, credit cards, student loans, loans, medical care, and many other things in my name. I have filed a police report with XXXX XXXX XXXX and also and identity theft report with the FTC. I also filed disputes with all three credit bureaus and still they have done NOTHING and are trying to hold me liable for stuff I never personally received or authorized myself. There was even names, addresses, and other personal info that is fraudulent on my report as well. I have disputed some of this stuff multiple times and got NOWHERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is inaccurately being reported on the credit profile for which my social security number is attached to. There are discrepancies regarding matching my information with that on the bankruptcy listed. I need this company to do a thorough investigation which includes showing proof of any signatures by me validating this bankruptcy.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accounts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I contacted XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.