23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XXXX XXXX, 2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$0.00}
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 604 Section A States I have a 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, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX  is unable to help me remove this, CFPB please delete the account XXXX XXXX XXXX  XXXX/XXXX XXXX
Product: Debt collection

I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. 
Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
Product: Debt collection

I sent XXXX a request for validation of an alleged debt. The response sent to me is attached, but it does not constitute validation, pursuant to FDCPA. The information that was sent to me was simply VERIFICATION that an account was owed to XXXX XXXX  XXXX XXXX. The amount that is said to be owed is not congruent, and XXXX has not proven that I am the person who signed a contract with their company or anyone else or that I owe XXXX. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Also, the dates and amounts being reported on my credit report are not congruent to the dates and amounts that were sent. I have attached my proof. This entry on my credit report has so many inconsistencies and I do not have a contract with this agency, and I want it deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
Product: Credit reporting or other personal consumer reports

I filed dispute about an open car loan with XXXX  XXXX XXXX. I filed dispute with Equifax as well at XXXX under FCRA I wanted an investigation done so they would see I already paid off this account and want it updated as so. They did not do an investigation and sent me a generic email response with no proof of investigation and did not update my credit reports. I feel the credit bureaus are dismissing my dispute and do not care to investigate under FCRA laws. This account is closed and they have not contacted XXXX  XXXX XXXX to find out if I even owe this account. I want them to do proper investigation and to contact XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XX/XX/2022
Product: Debt collection

LVNV FUNDING did not provide me with proper notification and has decided to report this information on my consumer reports. If they believe otherwise then I demand that they provide proof by providing a shipping number and the green return card with my signature showing that I was properly notified. Lastly, I attached a debt validation/verification letter and I demand that they provide all requested information in order to verify that this debt is mine. If they can not provide all requested documents then this agency is in violation of the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

I have attached hours of documentation to support this claim. I have sent multiple letters, disputes, and phone calls. TD has a late payment on my record from XXXX of 2020 that, simply put, is false. I had an extension granted in XXXX of 2020 due to COVID, I was supposed to pay starting in XXXX. I paid that payment and then the one after and every one after that. They originally said i was late in XXXX, which is just not true. Then after i PROVED that i was not late in XXXX, they said i was late in XXXX of 2020 instead. Through the documented phone calls and letters, you can see that i have tried to speak with them, prove my case and my point, only for them to act " XXXX '' on the situation. I do not see where it benefits them. I paid off my lease, they got their money, i did everything they agreed to and its almost like they hold some sort of grudge. I know that is not the case but i was NOT late in XXXX of 2020 and they can not prove i was. They never responded to numerous attempts at validation of that month 's late payment and the people on the phone refuse to help. This XXXX of 2020 payment was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Account Name : XXXX XXXX XXXX ) ( Account # XXXX and ( Account Name : XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my rights. Equifax is reporting 3 XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. The account have been charged off since XX/XX/2018. I have requested this consumer reporting agency to remove these accounts and they have refused. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement It has been over 30 days without any response from equifax.
Product: Credit card

Bank of America closes an 18 years old checking account that has an impeccable record for its entire history. Bank of America cites " business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint.
Product: Credit reporting or other personal consumer reports

XXXX  That domain name is responsible for sending a phishing link to my phone. Im assuming they tracked my keystrokes while I was using the TransUnion website and other credit check terminals at their instruction. The domain has been active for four months and needs to be shut down or investigated. I dont know what information they have or if theyre still in my phone, but XXXX  keeps kicking me off the internet since the incident happened on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was unconscious for two weeks in a coma and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, CREDIT XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : XXXXXXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : XXXX. XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
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 a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies violate 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information. 
According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided byXXXX, Experian I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian takes immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution by the requirements outlined above. 

Sincerely,
Product: Credit card

My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXXL XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

This account started being on my credit XX/XX/XXXX under FIDELITY CREDITOR SERV attempting to collect a debt for XXXX XXXX XXXX at the address of XXXX XXXX XXXX. The issues I have is I moved out of that house XXXX XXXX. The water bill was shut down squatters got into the property turned the water on illegal and started using water. I was charged for it I did not own the house I was just a renter. FIDELITY CREDITOR SERV was sued by me for violating FDCPA Law. I was awarded {$3400.00}. My attorney took {$3000.00} and I was left with {$400.00} and all debt communication stopped however they FIDELITY CREDITOR SERV keep updating the credit every month with more and more owed every month as a balance. It started at {$1300.00} as of today XX/XX/XXXX per XXXX credit report {$1700.00}. I have disputed the debt with all 3 credit company 's and every time I do it comes back as Consumer Disputes but it meets FCRA. I talk to the law firm who handled the case they said they did everything there was supposed to. I email The water company and ask them for a settlement they said I had to reach out to FIDELITY CREDITOR SERV I emailed them several times zero response. I made a settlement offer and nothing. I want this debt and debt collector to go away. and I want it off my credit asap!
Product: Money transfer, virtual currency, or money service

Greetings in advance, my XXXX is a little bad but I will try to write the best, months ago I started buying XXXX XXXX on Coinbase everything was going well until I noticed that they restricted my account, they do not let me send or withdraw my XXXX XXXX  nor convert them to dollars to return them to my bank, I need help since the support does not give me a reason or cause for this restriction and they only tell me to wait without giving me time frames, and I have noticed in many internet forums that this Coinbase company has many similar problems Help me, please, I have had my money withheld for 2 months now, it is my money, I am within my rights to have it returned to me, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my 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
Product: Debt collection

I received a statement in the mail from Professional Account Management , LLC ( XXXX ), stating that I owed a debt that I am not aware of. Furthermore, I never conducted any type of business with this entity so I am not sure how you obtained my personally identifiable information. I do not consent to this alleged debt, and I will not be paying it. This is your notice to cease and desist all communications in relation to this alleged debt unless the debt is both validated and verified within 15 calendar days.