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

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim.

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. 

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud. 

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Debt collection

I have attempted to contact the company with formal letter since XX/XX/2021 This company has a class action lawsuit on their in violation of UCC code. My vehicle was apart of this in which I did pay the vehicle off. This vehicle was paid in full and sold while I have a balance reporting to my credit file No proud of of any requested documentation has been sent to me. The account has been re aged which is non complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Rozlin Financial added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am not responsible for this account.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send me a bill and say its mine. According to FCRA, Rozlin Financial has violated my rights as a consumer and Im requesting legal action to from this account from all credit agencies immediately.
Product: Student loan

Navient Solutions , LLC - Incorrectly processed my loan payments on multiple dates. 
*most recently that I found, were on XX/XX/2019 and XX/XX/2019 * {$490.00} and {$690.00} - Incorrectly calculated interest fees prior to faulty processing of payments. 
- Haven't fixed these payments after multiple complaints and escalations over the phone.
Product: Consumer Loan

This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). 
My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

The XXXX XXXX XXXXXXXX card enrolled me in credit protection when I opened the account about 2 years ago. XXXX has gone out of business, so the card is technically 'closed ' pending the payoff of my current balance. The 'credit protection ' is adding about 50 % more each month to my bill and I am attempting to cancel it, however I need my credit card number to do so. Unfortunately, I have lost the card. When I reported the card as lost to XXXX XXXX, they told me they were unable to send me another card. I asked how I was supposed to get my account number and was told it was on my monthly statement only to find out it is, in fact, not on the monthly statement. I believe the company is intentionally giving me the run-around to prevent me from cancelling the 'credit protection ' they charge me so much for.
Product: Credit card or prepaid card

I have tried to get a refund check back from JC Penny 's Credit Card. On XXXX Check # XXXX issued never received. Asked again on XX/XX/XXXX check # XXXX never received. Asked again today XXXX will send another check.
Product: Consumer Loan

2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Payday loan

A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN, Bank Info, ect. 

XXXX. I have n't received a PayDay Loan. 
XXXX. None of this shows in my credit report. 
XXXX. Concord Resolution keeps calling me incessantly with an automated message to call them and " file a formal statement on my behalf ''. 
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Mortgage

I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.
Product: Credit reporting or other personal consumer reports

I have tried several times to request inaccurate personal information to be deleted from my Experian report and have been unsuccessful. 

On XX/XX/2024 i sent a notarized letter via certified mail with proof of my legal name and current address and requesting for any other incorrect address or name to be deleted from my account. Experian has refused to delete addresses that does not belong to me because per them i have open accounts attached to those addresses of which i have no knowledge or attachment too. I have provided proof of my correct personal information ( Name, Address, Social ) and they still wont delete the inaccurate address thats being wrongfully reported.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  had 21 days to stop reporting all activity to the following agencies. 

XXXX, XXXX, Equifax and additional secondary bureaus. 

I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! 

This is unlawful sharing of private information. 

Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Product: Debt collection

When the debt collector buys your debt from the original party you owe, there is NO signed contract between you and the new debt collector.
Product: Debt collection

I submitted a complaint on XX/XX/XXXX. I received no communication from the company until XXXX via email at XXXX XXXX. I provided a complete response at XXXX XXXX  in which I received no reply via email. I then received a second email at XXXX that they had received my CFPB complaint and subsequently closed it without providing an adequate remedy. Additionally, this indicates that the company did not take this complaint investigation seriously and did not take the time to research the issue. 

As I stated, in the original complaint, this account is fraudulent. Pursuant to the Fair Debt Collection Practices Act, 15USC 1692g. The company responded to this complaint via email and subsequently on this complaint. The representative stated, " Our records show that Spotloan made a loan in your name on XX/XX/XXXX, in the amount of {$800.00}. I have independently verified that certain application information matches your name but can not complete my report without your help. '' This is also a violation as per the FDCPA. 

I have not received any validation of such information. I have requested to be provided with competent evidence that I have any legal obligation to this debt. I have not receive any. Spotloan also wrote : " Additionally, while you assert we have violated the FDCPA please know that Spotloan is not a debt collector under the FDCPA. Further, we have not owned your loan as of XX/XX/XXXX, we are not affiliated with the XXXX XXXX, and have not attempted to collect on your debt since it was sold to XXXX XXXX " This is another violation of my rights. This is an attempt to collect a debt and as such, Spotloan is liable for this violation under the FDCPA. This office has reported invalidated information to all 3 Major credit bureaus ( XXXX, XXXX, or XXXX  XXXX for five years, which constitute additional fraud under both Federal and State Laws. Due to this fact, the negative marks found on my credit reports by Spotloan and the company that the alleged debt was sold to, is Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Further, the information that is being reported is also inaccurate per the companies response. Again, this is fraud and violation of the FDCPA. Pursuant to 15 USC 1692c. ( c ) I am demanded that Spotloan cease all forms of communication with me through any and all mediums. Subsequently, I
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as I have no knowledge of them and they were conducted without my consent by the company.
Product: Checking or savings account

There is a FraUD, the bank robbery XXXX dollars plus XXXX dollars fee, I tried to contact the bank, but they don't care. I will do a COMPLAINT and I will go to the COurt against the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I started the process of buying a home for my family that includes myself, my wife & our XXXX XXXX XXXX XXXX. Both my wife & myself are actively in the XXXX, stationed in XXXX XXXX TX. Right after we started this process I was XXXX, my wife was given a Power of Attorney to complete the process. On XX/XX/XXXX my loan officer asked me to prove I was not 30 days late XX/XX/XXXX on my Capital One # XXXX account because that's what's being reported on my credit through XXXX, XXXX & XXXXXXXX. Capital One sent my payment history from XX/XX/XXXX through present that proved I was never late. I opened a dispute because after speaking to their customer service, this is their process of correcting their error. I attached Capital One 's proof they sent me to my dispute. I called back a couple days later to find the dispute was closed because I had provided no proof of my claim. I duplicated this same process 3 times. Every time either myself or my wife calls Capital One, we are given different excuses why we are wrong & they are reporting correctly. Even though Capital One sent us proof of my payment history. This has been going on since XX/XX/XXXX until now. This company is clearly in violation my consumer rights for Fair Credit Reporting Act & blatantly discriminating against the color of our skin. This is preventing us from being approved for our purchase financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list items that needs to be delete in my file : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The moment I received the duplicate of my report that I purchased with XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : 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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a phone call at XXXX XXXX XXXX at night and they did not leave a voicemail. When I call back it says there closed for the holiday, Why are they calling people the day after XXXX but then I cant call them back to verify what the debt is about. I also did not receive a email stating what its about and when I go to the website link given and put my information in it does not work it keeps saying those are not the valid credentials! So there calling me and not explaining what it is about and when I call them back during normal business hours it says they are closed and they did not leave a voicemail and there website does not work! Its ridiculous I will not be contacted on my private number by a debt collector at this time of night and then not know what its about caused me to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX XXXX XXXX for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

my license was stolen. today i received a notification from a credit bureau stating that hard inquiries were recently posted to my credit file and also that there was a new address showing for the state of new jersey, added to my file as well. the inquires i listed are fraudulent as well as the new address that's listed. attached is a copy of my identity theft report.