23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Product: Debt collection

After opening a complaint, I finally received information on the debt that the company is attempting to collect. I looked at the documents and the balance listed is not what they are trying to collect. My contract with XXXX was cancelled because I was no longer at the contracted address and I did not want to sign a new contract. Documents to cancel were sent to XXXX in XXXX. When I contacted Zion, I was asked if I still had the document and I stated I do not. This account was from XXXX and it's XXXX. When looking on the document Zion purchased the debt XX/XX/XXXX. They sent the communication to an address that I am not located at. I'm no longer even in the state. I spoke with Zion and asked why I receive late fees and interest for an account I never knew of and received no response. I also relayed that I can pay the amount of {$380.00} which is the balance owed to XXXX, but I will not pay {$970.00}, because I didn't " even receive communications from XXXX in reference to balance, charge off, or even collections. I am a veteran on a fixed income and if they want to resolve this account they can recover the {$380.00} and close the account, or remain open with no collection at all. Based off the text in the invoice sent to my email, they have had this account for a year and never contacted me or tried to verify that it was an accurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Debt collection

Credit Corp Solutions XXXX : Debt Validation Request XXXX Dear Credit Corp Solutions , inc I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of Debt and Amount Owed : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. Creditor Information : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. Statute of Limitations : Verification that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within 30 days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies XXXX constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

Thank you for your attention to this matter. I look forward to your prompt and complete response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashapp issues would arrive and no available live agent to handle issues. Lost money in transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FOLLOWUP TO CFPB CASE # XXXX. XXXX XXXX XXXX reduced my credit limit without my request and against my desire. They claimed this was because of under-use of credit. UNDER-USE OF CREDIT IS STRONGLY RECOMMENDED BY ALL FINANCIAL PROFESSIONALS AND GOVERNMENT AGENCIES. Capital One refused to change the credit back to its prior level. CAPITAL ONE FALSELY INFORMED THE CFPB THAT THIS WAS SIMPLY A BUSINESS DECISION. That is demonstrably untrue. Please see line 4 of attached document " XXXX, '' where Capital One clearly states that what was done was NOT a " business decision '' but was a ***DENIAL OF CREDIT. *** This DENIAL OF CREDIT -- which negatively affects my credit score -- was done WITHOUT MY REQUEST AND EVEN THOUGH I HAD NOT APPLIED FOR ADDITIONAL CREDIT. Thus, Capital One made a FALSE REPORT TO THE CREDIT AGENCIES AND ALSO TO THE CFPB.
Product: Money transfer, virtual currency, or money service

I used PayPal to pay someone online who said they lived in the same town as me. They presented eggs and honey for sale and said they would deliver. XXXX did not notify me that this person was not even in the same country as me until after the transaction. I tried to go and cancel it stating items can not and will not be received bc the seller is fraudulent and they said too bad bc I said it was a friend. I only said that because they were posting on a page that is supposed to be for locals only. XXXX XXXX  XXXX is a page for residents of the very small town of XXXX La. This person lied and stole money because they had no intent to actually provide the products I paid for. Its only {$17.00} but this person deserves nothing. Help me stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX    XXXX   has reported the charge off on my credit report for the past 73 months. A charge off is a  XXXX  time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment fo r two year s because of the way  XXXX   XXXX  has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it is 6  years old  ) but because  XXXX    XXXX   has reported it every month making it look like a new charge off.  XXXX   XXXX  bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Product: Credit reporting or other personal consumer reports

I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.
Product: Credit card or prepaid card

Credit card ending XXXX issued by XXXX. From the very beginning the monthly payments were deducted from my account, XXXX XXXX ending in XXXX, on the XXXX of the month and never defaulted since it is an automatic withdrawal. 

I have a credit available of {$51.00} as of XX/XX/XXXX and according to the website that i log into, it says that " I'm ineligible for new draw ''. 

I am making monthly payments at 29.99 % and I have credit available but I'm not able to withdraw the money but they are deducting money towards the card. 

This is a fraudulent business service and enrichment at my expense
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

Equifax and XXXX both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Checking or savings account

I opened a new Ally savings account to take advantage of the 1 % cash-back promotion of the amount deposited. The bonus in question is {$370.00} for a {$37000.00} deposit in XX/XX/XXXX. I've followed the rules regarding funding and the timeline for leaving the funds in the account. I was supposed to receive the bonus in early XX/XX/XXXX but still have not received it yet. 

I've contacted Ally regarding this matter on numerous occasions and also faxed in proof of successful enrollment as requested. I was finally issued a reference number XXXX on XX/XX/XXXX. I have followed up with Ally two more times since but each time I only receive a canned answer that they were swamped and someone will take a look soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX was incorrectly listed as a credit line decrease to {$1600.00} when on the statement below you can clearly see my credit limit as {$1900.00}. I received a credit limit increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent an email to Upgrade requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and 1- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection put a collection on my credit report I dont know how. I never gave them my social, I dont owe them money or anyone they collect for. I've called and left messages. THey are impossible to get a hold of. 

THey claimed on an old dispute that they reached out to me. They never did. 
My private information has been stolen or misused. THey also are lying, my father who has the same name verified that the social on file is his. 

If you ask Amsher to verify all the numbers on my social not just the last 4 I am almost sure they can't verify it. If they do, it is stolen information. 

This collection keeps unrightfully so being sold back and forth between companies. 

XXXX XXXX to XXXX XXXX XXXX ( who took it off my credit ) but then turned around and sold debt to Amsher. What XXXX XXXX did as unlawful. All of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling with Sallie Mae and than Navient since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a stay at home mom all XXXX, XXXX, XXXX, XXXX I had all XXXX high risk XXXX and couldnt leave the house I was in and out of the hospital.Navient stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with Navient they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no Sallie Mae nor Navient was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Product: Checking or savings account

On XX/XX/2023, Axos Bank, and its subsidiary XXXX XXXX, embezzled ~ {$980.00}, XXXX out of XXXX savings accounts that are mine. They have stolen the life savings of a XXXX XXXX XXXXXXXX XXXX  citizen.
Product: Credit reporting or other personal consumer reports

I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXX XXXX and XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I noticed there are multiple accounts on my report that I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting or other personal consumer reports

Unknown collections on credit report from an agency called IC System. I have one thats been open since XXXX XXXX asking for {$450.00} and another from the same company open since XXXX XXXX asking for {$100.00}. I have disputed these collections and the dispute was remarked 4 months ago stating Account information disputed by consumer, meet FCRA requirements. These collections are still on my credit report stating that Im required to pay them. I have no knowledge of these collections or what theyre for. Im not satisfied with the results of my dispute and would like further assistance with getting these unknown collections off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed letters to the XXXX, XXXX and Transunion about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help