23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the accounts XXXX ( XXXX ) listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a  credit reporting agency may constitute fraud under federal law. The information that AR Resouces Inc claimed to have forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed accounts which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information  which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( XXXX XXXX XXXX XXXX  ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per the State of Florida XXXX XXXX XXXX XXXX XXXX must be licensed and bonded in the state of Florida to collect.
Product: Vehicle loan or lease

The vehicle was paid off last year. XX/XX/XXXX. I called in and was told it was mailed by way of an address I never used while dealing with them. The week prior. Sunday XX/XX/XXXX. I was informed by police the vehicle was registered to a company in Maryland. NOT me.. XX/XX/XXXX we spoke again and was told once again it was mail despite them lying with my mother on the phone. To no avail did I recieve my title after re verifying address. I need my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX IN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; BANK OF XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX BV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; SERVICE XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My Synchrony Bank Guitar Center ( XXXX XXXX XXXX account was closed on XX/XX/XXXX. In XXXX of XXXX, there was a balance of {$XXXX} still owed, inexplicably. Upon discovering this, I immediately paid the {$XXXX} " past due '' amount. Since that time, when I check my XXXX XXXX credit report, I have a negative account status, XXXX  days late with a XXXX balance. On XXXX ( report date XX/XX/XXXX ) It shows " NOT_MORE_THAN_FOUR_PAYMENT ( sic ) _PAST_DUE 1. How did I owe {$XXXX} on a closed account due to XXXX?

2. Why does/do my credit report ( s ) still reflect XXXX  days late?

3. Why does this closed account have a credit limit of {$XXXX}?

4. Why is this incorrect information still being reported to credit bureaus?

5. Why is it that each time I try to resolve this with Synchrony Bank : a ) They say, " this is nothing we are doing, you must check with XXXX XXXX, etc. '' b ) they put a note saying, " Cancelled by credit grantor '' which automatically deducts around XXXX points from my XXXX XXXX. This happens despite them telling me they will put a note that says, " cancelled at customer request '' which makes my score go back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX College XXXX Unverified Account XXXX/XXXX XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Debt collection

I am writing to formally request the issuance of IRS Form XXXX in relation to the cancellation of debt that has occurred with my account. After a thorough review of my records, it is clear that a significant portion of the debt has been forgiven or canceled, yet I have not received the corresponding Form XXXX, as required by the IRS. 

According to IRS guidelines, creditors are obligated to issue a XXXX form when a debt is canceled or forgiven in an amount of {$600.00} or more. The timely issuance of this form is essential for tax reporting purposes, and failure to provide it could lead to inaccuracies in my tax filings, potentially subjecting me to penalties or additional liabilities. 

I respectfully dispute the lack of compliance with this legal requirement and request that the XXXX form be sent to me promptly. Please respond to this request within 30 days, as required by federal law, to avoid further escalation of this matter. I hope to resolve this issue amicably and without the need for additional action. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is XXXX.
Product: Debt collection

I am unaware of any det with Jefferson Capital LLC, I'm in no signed contract with this company and I did not have an opportunity to dispute this information. In fact, if Jefferson Capital believes they gave me proper notification please send me a certified receipt with my signature of receipt. This is a violation of the FCRA and this needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This MoneyLion Plus loan for {$500.00} fell behind after job loss. This company used the MoneyLion Plus app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, MoneyLion reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, MoneyLion was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, MoneyLion 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Product: Student loan

I am submitting this complaint regarding Mohelas mishandling of my student loan account. On XX/XX/XXXX, I received official notification that I was enrolled in the SAVE Plan and placed in forbearance until my payment amount could be calculated. Under this plan, I should not have been required to make payments or accrue interest during the forbearance period.

However, without any notification via email or mail, Mohela moved me to a standard payment plan on XX/XX/XXXX, requiring payments that were four times higher than my estimated SAVE Plan amount. I was not informed of this change in advance or given the opportunity to address the issue. I was also not able to sign online to review my account for months ; now that the website is working, I see that my account is past-due, and I've made several attempts to contact MOHELA via phone.

I should still be under SAVE Plan forbearance without accruing interest or being required to make payments until my repayment amount is properly determined.

I am requesting : Immediate reinstatement of my SAVE Plan forbearance status.

Correction of any accrued interest or past-due status caused by this error.

Confirmation of my correct plan enrollment and communication going forward.

Thank you for your prompt attention to this matter. Please let me know if further information is required.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was purchasing several items on my card. When I got to the check out, they asked did I want to make 6 equal monthly payment with 0 % APR. Or 2 % cash back.

I choose the 6 equal monthly payments.

So a few days go by and I get a notice from Amazon that I needed to revise my payment.

So I call Amazon and spoke with customer service and they fixed the problem, so I thought. A few days later I got another message from Amazon saying again I needed to revise my payment.

I then called Synchrony Bank and explained that I was not supposed to be charged bu

t 6 equal monthly payments for my purchases and she told me that the merchant still has to be paid.

I told her that I understand that the merchant has to be paid, but you are offering me to make 6 equal monthly payments for the items I purchased not pay for the entire purchase with my credit card.

She continues to take the total purchase and does some calculations and comes back on the line and tells me that the 6 equal payments would be {$25.00} that is what i will be paying.

I asked her why would I be paying that if you charged me for the entire purchase of {$150.00}. I don't owe anything but my monthly credit card payment.

She said well you have to pay the merchant. 
I said to her that i will be filing a complaints for mis leading and deceptive trade practices cause you are telling me now that I will have to pay {$25.00} more for something that is already paid for on the credit card. Instead of charging me the {$25.00} to start with like was advertised on Amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX  {$1100.00}
Product: Debt collection

I received a call to my private cell phone number, today XXXX at XXXXXXXX XXXX  from the number XXXX ( XXXX ) XXXX identified as XXXX XXXX XXXX XXXX telling me that they had a debt to collect for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I told him that this was impossible because that debt had been fully paid by my health insurance company and that I needed him to send me all that information to my email. At that moment the representative, who was a man and spoke to me in XXXX, stopped " listening '' to me so I hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been contacting XXXX, XXXX and Experian in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, XXXX and Experian. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Product: Payday loan, title loan, or personal loan

I am trying to pay off the loan without the excessive interest charge. I am willing to pay off the principal but they do not want to negotiate.
Product: Money transfer, virtual currency, or money service

I have numerous exchanges documented about this ongoing issue -- which is the point of this complaint. Paypal is refusing to cancel my account after many exchanges by phone email and app messaging, citing policies that allow it to wait 180 days ( 180 days -- not a typo ) to close an account that has " ongoing transactions '' -- which in my case are fabricated by PayPal, as the vendor they cited as having a hold on my account had stated in writing is not the case -- which Paypal reps are simply flatly ignoring and attempting to gloss over with their typical compliment/apology/empathy " writing style '' eg " We understand how frustrating it must be. '' REALLY. No, they must not or they would cancel my account as I do not wish to do business with a company that is technically emotionally abusive. 

My complaint is specific to the ( again : fabricated ) obstacles PayPal imposes to closing an account. I am demanding that my account be closed BECAUSE of this kind of obfuscation and complete lack of transparency by PayPal, which obviously is what they train their " customer service '' staff to uphold. Responses in their help-message dump reflect this and are all but incoherent as well as inaccurate and irrelevant to a customer 's questions -- deliberately. It has to be deliberate, because the alternative to not mislead is so simple to accomplish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - US SM BUS ADMIN XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # XXXX - XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

American Express is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These two accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.
Product: Vehicle loan or lease

In XXXX my ex husband ( husband at time of purchase ) purchased a XXXX XXXX XXXX from a third part car lot both of our names are on the loan. In XXXX XXXX XXXX I filed for divorce asking the judge to grant me XXXX XXXX XXXX relief of all car loans, monies owed in regards to this XXXX XXXX XXXX and to award my husband at the time XXXX XXXX XXXX XXXX responsibility of this loan and I was granted this by the judge and is in my divorce degree. I advised this many times to all credit bureau and to the loan company and or bank I mailed a copy of my decree to XXXX XXXX I believe where the bank that approved us for this loan Thunderbird auto finance and this car repossession is still showing on all of my credit reports.