23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Debt or credit management

Breach of Contract : XXXX XXXX XXXX Due to the lack of proper care and overall lack of industry standard cleanliness of the XXXX facility and stalls, XXXX XXXX  Manager was given written notice via Email on XX/XX/XXXX informing her that BFF horses would be removed from the facility immediately due Breach of Boarding Agreement and the overall wellbeing of the horses, and items listed below. The horses were removed XXXX XXXX XXXX. Items of Breach of Agreement are documented in writing and photo, and not limited to include ; 1. Stalls were NOT PROPERLY CLEANED DAILY OR CLEANED AT ALL, as advertised they would be in the Boarding Agreement ( excluding Sunday ). Some days, late in the afternoon, the stalls were still dirty from the previous day. Forcing the horses to stand in dirty stalls for well over 30+ hours.

2. Horses WERE NOT FED PROPERLY as agreed upon with Trainer. ( less than poor quality and amounts of hay ) 3. Horses were held outside in a pen WITHOUT WATER for hours during the day.

4. Facility was Not KEPT IN A SAFE AND CLEAN MANNER as per industry standard.

You were notified of these deficiencies well in advance, however no acknowledgement or action was taken until the DAY OUR HORSES WERE REMOVED FROM THE FACILTY. A BLAST EMAIL WAS SENT TO ALL CUSTOMERS OF THE IMPOVEMENTS TO BE DONE AS PER OUR EXACT COMPLAINT LIST. Sent to all customers of XXXX ; However this was in fact too little too late. We removed our horses for their safety and wellbeing prior to this email the same day. 

This attempt to cover up the neglect was effectively way too late and acknowledges your willingness and in agreement that you were in FACT IN BREACH OF YOUR OWN CONTRACT. 

XXXX XXXX XXXX has no choice but to demand a complete refund of our payments for XXXX from XXXX, XXXX to XX/XX/XXXX. Totaling {$4000.00}. Invoice attached. 

We also are in contact with the Federal Trade Commission due to your illicit actions of hiring a Debt Collection Agency to Harass the teenage girl who was training the horses while at your facility, for payment of a few days of boarding, not owed. 

The Collection agency was notified that the invoice you sent them is disputed and not legitimate, they were told to contact our Attorney and they have not, however they are now sending a settlement offer directly from you to compromise the illegitimate invoice you fraudulently provided them with originally. This is nothing less than extortion. The Collection Agency is being reported to the CFPB as well as the XXXX. 

You are hereby notified to Cease and Deist this illicit harassment of our Trainer. 

Attached find invoice for Boarding paid to XXXX to be refunded to XXXX XXXX XXXX immediately. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to EQUIFAX, XXXX and XXXX : Police Report, XXXX  Complaint file and number, Notatrized XXXX XXXX  form, XXXX Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, XXXX forms of identity, proof of address and a Copy of the XXXX Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to Equifax. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Collection : XXXX  XXXX Original Creditor : XXXX XXXX XXXX ACCOUNT : XXXX XXXX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, TD XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX EQUIFAX ACCOUNT : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Hi My Name XXXX XXXX XXXX I contacted you about Fraud XXXX  XXXX Account I Have Provided Police Information To XXXX  XXXX Now Im Speaking Directly To You Because You Verified This Account You Said This Was Correct When I Stated Others May Have Got ta My Information Demand for Payment and Correction of Inaccurate Credit Information Dear Who may be Concerned I am writing to formally demand that you take immediate action to correct inaccurate and misleading information on my credit report, as well as compensate me for the damages and attorneys fees that have been incurred due to your failure to properly address these issues.

1. Inaccurate Information on Credit Report As I previously reported to your company on XX/XX/XXXX my credit report contains inaccurate information. Specifically, A Fraud Account Despite my efforts to resolve this issue through the proper dispute channels, the incorrect information has not been addressed, and as a result, I have suffered significant financial harm.

2. Damages and Impact As a result of this error, I have experienced [ list any negative consequences such as denial of credit, higher interest rates, emotional distress, or other tangible damages These consequences have caused significant harm to my financial well-being and my ability to secure credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to compensation for these damages. 
3. Attorneys Fees Furthermore, I have incurred legal fees in the amount of {$500.00}, which were necessary to assist in resolving this matter. I hired an attorney due to your failure to resolve the issue through the usual dispute channels, and this cost was directly attributable to your non-compliance with my rights under the FCRA.

4. Demand for Payment In light of the damages I have suffered, I demand the following : {$1000.00} for the harm caused by the inaccurate information on my credit report. 
{$500.00} to cover the attorneys fees I incurred in addressing this issue. 
I request that you correct the inaccurate information on my credit report and remit payment for the damages and attorneys fees outlined above within 10 business days of the date of this letter. Failure to do so will leave me no choice but to pursue legal action to seek full compensation for my damages, including statutory and punitive damages under the Fair Credit Reporting Act ( FCRA ). 
Please consider this a formal demand to resolve this matter swiftly and avoid further legal escalation. I expect to receive written confirmation of the correction to my credit report and payment for the requested amount within the specified time frame. 
Thank you for your prompt attention to this matter. I look forward to your immediate response. 
Sincerely XXXX XXXX XXXX Account XXXX  XXXX Opened XX/XX/XXXX My phone number is XXXX My Email XXXX Address XXXX XXXX XXXX XXXX XXXX Il XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so upset. My family and I have been struggling to get a house. I had viewed my credit report and have reached out to you about the errors that I found on my credit report. I will not sit around and be bullied by your company. I deserve to be treated with respect. I work to hard to have to suffer through this madness. I refuse to shed any more tears over this unfair treatment. " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit revealing ( 1 ) The financial framework is subject to reasonable and exact credit announcing. Mistaken credit reports straightforwardly debilitate the proficiency of the financial framework, and uncalled for credit detailing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer announcing offices have expected an imperative part in gathering and assessing customer credit and other data on buyers. The financial framework is reliant upon the reasonable and exactness detailing of purchaser offices. At the point when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times whining about the wrong things on my buyer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for suit for the entirety of the infringement and for the torment you folks have caused me by destroying my standing by announcing erroneous things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a VICTIM of inquiry issue. Multiple hard inquiries on my report that I do not recognize from, I have written to the creditors and credit bureaus asking to investigate these unauthorized inquiries on XXXX XXXX, 2017. The response I received is attached below.
Product: Credit card

I was making a purchase on ebay, and paypal is linked to my ebay account for purchases. I already had XXXX credit card and XXXX bank account linked to my paypal account. I added a new credit card to my paypal account for this transaction, from XXXX XXXX XXXX. After adding my card, I clicked on " Continue and Pay. '' The next screen asked me for my last XXXX SSN as well as my birthday. I entered this information thinking it was for account verification, since I did not enter my password yet. As soon as I clicked " OK '', it said I had been approved for a XXXX dollar PayPal Credit line! I never even knew I was in the application screen for PayPal Credit ( card ). I called immediately to PayPal support who told me that all they can do was close the account, but the damage had already been done. I have bad credit and was in the process of repairing my credit score, and now I have another credit pull, lowering my score. I did NOT want this credit line from PayPal. I asked the representative if many other callers have had this happen to them, and she told me she gets calls about it all the time, but nothing ever changes even though it has been reported to her management and executives. They are knowingly and deceptively tricking people into signing up for a PayPal credit line. Even though I had JUST added a new payment method ( my XXXX CU credit card ) for some reason it just defaulted back to applying for PayPal credit. I even find the name PayPal credit to be misleading, as I thought it was referring to the XXXX dollars I had in my PayPal account. But no, having any PayPal credit does n't refer to your PayPal account balance ... it 's the name of their credit card. My credit score has now been damaged and I need action to be taken against PayPal for their malicious and devious actions.
Product: Credit reporting or other personal consumer reports

According to my complaint with CFPB, these inquiries were authorized to be removed from my credit files for being fraudulent and they still appear on my credit report, attached to the letters received.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked inaccurate. XXXX XXXX XXXX XXXXXXXX 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

This is my XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no XXXX XXXX XXXX XXXX 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 XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} FIRST PREMIER BANK XXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXX Balance : {$950.00}
Product: Debt collection

I was contacted at work after receiving a phone call to my staff and had the call transferred to me regarding a debt. They also threatened legal action.
Product: Vehicle loan or lease

I have to made the payments, every XXXX th of the month XXXX the amount was always the same i made payment and the amount stay the same the interest was so high for a used car.
Product: Credit reporting or other personal consumer reports

" I

am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Checking or savings account

Hi Consumer Financial Protection Bureau ( CFPB ). My SoFi Money account has been frozen since XX/XX/XXXX. Today is XX/XX/XXXX. IT HAS BEEN OVER 90 DAYS, AND MY SOFI MONEY ACCOUNT IS STILL FROZEN. My account balance as of XX/XX/XXXX is {$4400.00}. Numerous calls have been made to SoFi, but no one is able to help me. My account is still frozen. It should NOT take this long to resolve any issue if there is any issue with my account in the first place. I want my SoFi Money account unfrozen and to have access to my money immediately. Feel free to contact me if you need my name, account number, or any other information. Please help me resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and Equifax, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Product: Credit reporting or other personal consumer reports

Transunion please investigate the following inquiries on my behalf. I have mailed multiple letters in, and they don't seem to work. The disputes aren't being done.
Product: Debt collection

They never proved this was my account. They suppose to remove it am paying XXXX a month because keep calling and writing so am forced to pay a debt not knowing if is minds
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Equifax XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Debt collection

I did not know I had this alleged debt. I was never notified or given a chance to dispute and request verification of this alleged debt. I contacted complete credit solution over 30 days ago and still have not received correspondence or verification of debt. I just have the information from my credit report. Please have them remove the debt from all credit report agencies and please send letter in reference to the removal please. 

Thank you for your help.