23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Originally got t his CareCredit Card to pay for unex pected doctor expenses. Used the card and had 1 year to pay off the card within the promotional period. I paid the card On time EVERY month and paid the card off within the year. I used the card in  XXXX  of   XXXX   for {$53.00} or so and paid that off as soon as the bill came in the mail in  XXXX . The card had a   XXXX   balance for a month and I got a letter in the mail telling me the account was closed due to my credit.   I am in the process of fixing my credit, it has gone up significantly since I opened this card over a year ago, to the tune of over  XXXX  points. Now for NO good reason they closed my account and dropped my score by  XXXX  points on at least  XXXX  of my credit reports.     I can understand denying someone an account based on credit but to approve someone and then close that acco  unt 18months later, an account that was paid on time and had a  XXXX  balance and whose owner has significantly improved her credit throughout that time is just unacceptable.
The information they have is also inaccurate, my score is higher than what is on the document that was sent to me.
Product: Vehicle loan or lease

Ive had a Vehicle with US Auto Sales since XXXX. I purchased GAP warranty and paid into it. For the duration of my purchase with US Auto. My Vehicle has been Shut off 22 times during the Pandemic leaving my mental health unstable. Ive dealt with extra finances charges. After speaking with them so many times over the years it just left me depress and helpless cause Im XXXX  and needed my vehicle. When they closed down I was in good standards. On my credit report it states Car paid for in full? On my title Im listed and USAuto not this New company that is threatening to repo my vehicle. I dont know my rights or what to do. I have the last letters stating my GAP was paid and full up to XX/XX/XXXX cause they was charging me double, But I cant even use all the money Ive paid into it cause they said that loan is Null and they are the new owners. Us Auto never contacted us just kept taking payments. Someone please help me Im In XXXX XXXX, Ga. Thank you.
Product: Debt collection

I have attempted to dispute via XXXX XXXX and XXXX XXXX at least a dozen attempts made. I even used various reasons yet they still are validating this debt. I do not nor have I ever had a XXXX  XXXX XXXX XXXX  outside of being an authorized user on my wifes account. 
I sent documents that were listed under my wifes maiden name from XXXX showing my address at the time. I traveled and lived on the road in hotel rooms paid for by the people I worked for in XXXX and part of XXXX. 
I want this deleted from all my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

A car that was sold the car in XXXX of XXXX and was removed from registration on XX/XX/XXXX and from our insurance on XX/XX/XXXX. Which we have documentation of that as well. Then in XXXX XXXX a police officer knocks on our door to inform our car was found in XXXX XXXX, UT. We live in XXXX XXXX, UT. That the car was abandoned and found on XXXX XXXX on XXXX XXXX. When we sold it the car did not run, it had to be towed from our home. We did remove the license plates and reported the car as sold. Well when the police officer gave us that notice, my mother whos first language isnt English had informed them we had sold the car. She then asked if we needed to do anything. The police officer informed her that he saw the car was already removed from registration and that there nothing else to do. Well we were then informed by Outsource receivable management that we owe {$3600.00}. That this was by XXXX XXXX XXXX. I have already filed a dispute and sent documentation of the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX A Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX
Product: Debt collection

I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to PayPal Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter and method of verification letter to Equifax on XX/XX/2021 and never received any communication in regards to my letter. I then sent another letter XX/XX/2021 as a second attempt to get information verified or deleted from my credit report. The bureau states that the accounts were verified as accurate prior to me disputing but never sent the requested documents to me as proof. They are in violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX with Citi Bank as of XX/XX/2019 I have balance of {$0.00} with them, it still shows up on my credit report
Product: Debt collection

LVNV FUNDING LLC Subject : Request for Debt Validation and Verification Dear LVNV FUNDING LLC, I am writing to request validation and verification of the debt you claim I owe, as detailed in the correspondence I received from your agency. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt.

Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges.

The name and address of the original creditor.

A copy of the original signed agreement or contract that created this debt.

Evidence that you are legally authorized to collect this debt on behalf of the original creditor.

Copies of any judgments or legal documents related to this debt, if applicable.

Proof that the statute of limitations on this debt has not expired.

Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder.

Proof of consent for the transfer of my non-public personal information from the original creditor to your agency or any other third party involved in the collection of this debt.

I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the 30-day period specified by the FDCPA. 

Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling my dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my XX/XX/XXXXand zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the the system leaving users vulnerable to scams
Product: Debt collection

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
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 accounts deleted or updated. These are the items I demand to be deleted immediately 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: Debt collection

Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX Mortgage XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING COMPANY XXXX, XXXX, AND TRANSUNION SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( as original debtor ) account paid in full XX/XX/2022. Recorded XX/XX/XXXX, XXXX. I have credit card transaction history and paid invoice receipt. However, Wakefield & Associates will not recognize the debt has been paid to original debtor.
Product: Credit card or prepaid card

I was questioning some information reporting on my credit report from XXXX so on XX/XX/18 I sent them a letter requesting more information this account for example statements etc. They responsded that what they are reporting is accurate. I'm sure they feel that way but I'm doubtful of all the data which is why i'm requesting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XXXX  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  XXXX
Product: Credit reporting or other personal consumer reports

This account was current and resolved and was supposed to be deleted over 30 days ago please delete this account the NATIONAL CREDIT SYSTEM # XXXX it is not accurate. 
I have request the company send out the UDF FORM to remove this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX : XXXX, XXXX of XXXX XXXX. There is no XXXX party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX XXXXXXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am submitting this complaint in a seek of help with dealing with credit reporting agency such as Experian. My credit report is showing 2 account that have been charged off and still showing balance. Account in Charged Off Status, But Still Reporting Current Late Payments. A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. Documenting this violation with credit reporting agency after they have been notified of violation and completely ignoring the issue has caused me in unfair credit rating and a quality of my life. I am asking to please help me resolve this matter with Experian and create a lawful and fair reporting on my credit report. 

Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX in violation trying to sue me for an old debt that was involved chapter XXXX bankruptcy back in XXXX XXXX XXXX years ago they continue to threaten, Harass and bully me and my husband they went as far as getting us parking citation in our own driveway, We went to court, and it was dismissed. They are trying to sue me for $ XXXX only owed {$1100.00} XXXX back in XX/XX/XXXX it was paid during my chapter XXXX bankruptcy and I am not paying it. I have included the current payment thats due now and XXXX law firm that are trying to collect debt on HOA fees. The following debt collector are Kaman & Cusimano and XXXX XXXX and a current XXXX XXXX XXXX XXXXXXXX that was issued today XX/XX/XXXX Ive called them several times you will only get an operator they will only take your message. The property XXXX will never return your phone calls. XXXX has been several property managers in the last XXXX but In Tennessee XXXX an HOA has 6 years from the effective date of a lien to initiate foreclosure proceedings to collect on a XXXX bill, after which the lien becomes unenforceable.
Product: Debt collection

XX/XX/year> DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Debt Account : XXXX Dear DISCOVER BANK I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not discharged in XXXX but were instead canceled via IRS XXXX XXXX, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, XXXX result in legal action against your company. 

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX