23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with XXXX XXXX account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  FRCA law states all information reporting to my credit should be 100 % accurate and true. Since 2023, I have been reaching out to the credit bureau asking them to removed the above account. ( XXXX XXXX ) This is not my account and I have no knowledge of this account. They are reporting false claims. 
I do not own any thing from XXXX this is not my account. PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling Equifax and XXXX this and XXXX and they do nothing. I can not even get a credit report from equifax and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Product: Credit card

My credit information was used to open a line of credit without my consent on XXXX XX/XX/year>. A wrong address was used ( I have never lived at this address ) ; at a wrong ZIP code too. I have no association with this account whatsoever. I have attached information of screenshots of this account to aid this investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported that I still carried a {$100000.00} balance on my home credit line through XXXX  XXXX XXXX, when it in fact had been paid off in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized that XXXX XXXX submitted unauthorized inquiries for finance 16 times on XX/XX/2018. 
TD Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX several times. he identified himself as the Manager. he refused to help.

It is very unfair that they did that. they lowered my credit score by 200 points.
Product: Debt collection

RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX  the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Jefferson Capital Systems and XXXX XXXX XXXX  for multiple violations of federal law concerning fraudulent accounts appearing on my consumer report. These accounts were never given my permissible purpose to furnish and infringe upon my rights to privacy under 15 U.S.C. 1681 ( 4 ). Both Jefferson Capital Systems and XXXX XXXX XXXX  are attempting to collect on debts I did not authorize or incur, causing significant mental, financial, and reputational harm. 

As a collections agency, Jefferson Capital Systems failed to provide adequate notice under 15 U.S.C. 1602 ( k ). Adequate notice is defined as a clear and conspicuous printed notice that sets forth pertinent facts, allowing a reasonable person to understand its meaning. No such notice has been provided. Similarly, XXXX XXXX XXXX  failed to provide proper disclosure regarding the alleged debt. Additionally, under 15 U.S.C. 1602 ( p ), unauthorized use is defined as the use of an account by someone without actual, implied, or apparent authority, and from which the consumer receives no benefit. As I did not authorize these accounts or derive any benefit, both Jefferson Capital Systems and XXXX XXXX XXXX  are in clear violation of this statute.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, Jefferson Capital Systems is obligated to verify or validate debts upon request. Additionally, XXXX XXXX XXXX, as a creditor, is required to ensure accurate reporting under the Fair Credit Reporting Act ( FCRA ). This is my initial dispute of these accounts, and I formally demand the following : Immediate deletion of the following fraudulent accounts from my consumer report : Jefferson Capital Systems, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
Jefferson Capital Systems, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 
Update all late payments associated with these accounts to reflect " paid on time. '' Remove all relevant fraudulent inquiries related to these accounts, including inquiries by Jefferson Capital Systems and XXXX. 
Cease and desist all communication except via mail. 
This reporting and collection activity has caused financial harm, emotional distress, and mental anguish. I request damages totaling {$18000.00}, broken down as follows : Emotional distress : {$10000.00} Financial harm : {$5000.00} Statutory damages : {$3000.00} ( 3 violations x {$1000.00} ).

If you comply with these demands, I will consider this matter resolved. However, if you fail to comply, I will escalate this matter to federal court and seek higher compensatory damages for fraud, violations of the FDCPA, FCRA, and 15 U.S.C. 1602. All rights reserved without prejudice. Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX
Product: Debt collection

This LVNV Funding LLC account, purchased by a debt buyer, is being weaponized against me on my credit report. The loan, originally taken out for a credit card in XXXX, is now well past the statute of limitations as it is XXXX. When I discovered this issue on my credit report, I contacted LVNV Funding, who referred me to a law firm called XXXX XXXX and XXXX XXXX XX/XX/XXXX. 

I explained that I have been very sick and unable to address these matters. They informed me that they had filed paperwork in the state of Virginia to garnish my wages and take legal action against me ( although I do not have any wages ). However, I have not received any proof of these actions. 

I am XXXX XXXX XXXX, in poor health, and trying to resolve my financial issues. Despite my circumstances, I feel threatened and uncertain about how to proceed with this situation involving LVNV Funding, a debt buyer. I also offered a settlement of {$2000.00} to close the matter, but they informed me that I would not be able to propose a settlement until XX/XX/XXXX, because the case is currently in court. 

If you could assist me in resolving this matter as soon as possible, I would greatly appreciate it. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was given a credit dispute on XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX ) reporting a fraud balance. The hospital added fraudulent charges and then took it to collections where Experian is reporting the tradeline. Upon disputing this inaccurate trade line to Experian, the credit reporting company has refused to actually investigate the documents. Experian has : Refused Proof of incorrect balance with my file uploads Refused to compare the credit furnishers documents with my documents Instead of using the documentation I provided, Experian has used incorrect procedures in determining the incorrect information. 

The balance is {$970.00} per documented proof in billing. 

First bill has date of stamp of XX/XX/18 On the XXXX bill they stuck fraud charges by doubling the itemized " XXXX XXXX '' line item
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
XXXX 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 or other personal consumer reports

Exeter XXXX is trying to collect for a vehicle no longer in my possession that I voluntarily gave up due to not being able to pay. My name at the time was XXXX XXXX. Exeter XXXX used the company XXXX XXXX XXXX to try to sue me for the amount they could not collect for the remaining of the sale, and in which we went to court for. The XXXX was dated back in XXXX, in which they did not try to take me to court until XX/XX/XXXX. The case was " discontinued '' at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am disputing this due to stature of limitations since it is past the legal time limit of 3 years to sue someone for the debt and to cease and assist this debt. I also would like it removed from my credit report as well. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB against equifax and the result of the complaint is retaliation by lowering my score even more for incorrect items that are at or over two years old. My score was lower twice total of XXXX points this month due to remarks updated on my credit file. I am trying to rent a home and this is prevention me from obtaining shelter. I need help. I called equifax on XX/XX/2021 when I spoke to the representative she stated that she couldnt do anything I asked to speak to a supervisor she stated that she will have one call me back which I still havent gotten a call back.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transcation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Erroneous Accounts :
Product: Credit reporting or other personal consumer reports

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX   XXXX XXXX  XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Credit card or prepaid card

I have 2 accounts with Synchrony Bank. One is a XXXX mastercard, the other is pay pal credit.. both accounts were payed off.. checks written on XXXX and cashed and returned by Synchrony bank on XXXX. They advised they have not recieved any payments. I have called them numerous times.. I have asked to speak to a supervisor. I was on hold 2 times.. once for 40 min the other for 30 min without speaking to anyone. They continue to call me 3 times or more a day for payment and I keep explaining time and time again and nothing gets done. I have filed a dispute with them on-line and via US mail to no avail. Please help. I have copies of the returned checks indicating they were processed. The mastercard account ends in XXXX and the paypal credit ends in XXXX.
Product: Debt collection

I purchased a portable air conditioner from XXXX on XX/XX/year>, and paid in full. Later, the next year, I received a call from debt collectors regarding a {$550.00} debt for an air conditioner from Wayfair, which I never ordered. I contacted Wayfair and was informed that the account used for the order was set up for fraud. Despite assurances from Wayfair, the credit history was negatively affected by the debt collection. 
The fraudulent purchase on Wayfair was made using a payment plan through XXXX, but when I confirmed with XXXX that they do not have an account with them. Upon requesting details from Wayfair, XXXX, and the debt collectors about the Social Security Number used for the loan and the tracking information for the delivery I got no response. 
The fraudulent order on Wayfair was created on the same day they ordered from XXXX. The Wayfair invoice display the name " XXXX XXXX '' but has my shipping name and address.
Product: Debt collection

The XXXX XXXX XXXX XXXX  hired a debt collector to collect {$5500.00} for a move that never happened. All communication between us was by phone call and text. On XX/XX/XXXX I agreed to pay {$5000.00} for them to move boxes from a XXXX storage unit in XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I let them charge {$150.00} to my credit card for deposit. On XX/XX/XXXX I got several messages and a phone call from XXXX telling me they denied charges attempted by The XXXX XXXX : {$4900.00} ( more than was owed ) by XXXX, then {$2300.00} by XXXX, then {$1500.00} by XXXX and then XXXX {$1500.00}. I was shocked and a little scared. I called and cancelled the move. I was told that I was still going to be charged because I didn't give 14 days notice ( there were 13 days left. ) I was threatened with " substantial costs '' including hotel costs, airfare, and the wages of 3 men. For context they were being asked to transport boxes. It took 2 men 34 minutes to unload the same boxes from their truck and into storage. The debt they are attempting to collect says the move was to cost {$5500.00} instead of {$5.00} and it includes {$78.00} in interest, crediting my {$150.00} deposit they are trying to collect {$5500.00}. 
I have all of their text messages to verify all the information I have given you. I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Product: Credit card

I contacted Citibank through their Customer Service line for credit cards @ XXXX on XXXX XXXX, XXXX in order to resolve a long term issue : I have a Dividend Rewards Credit Card offering 1 % cash back on purchases. I requested to redeem multiple checks for dividend dollars earned. XXXX of these checks have never arrived, XXXX dating from XXXX of XXXX. I received an e-mail stating " We 've placed a stop payment on your refund check We sent you a refund check for {$360.00} dated XXXX XXXX, XXXX, but our records show that you still have n't cashed it. For your protection, we applied a stop payment to it. '' However I never received this check, nor the other dividend rewards checks that I had requested. I requested new checks multiple times over the past 6 months but have yet to receive them. I have verified and re-verified my address with Citibank and they are able to send me new credit cards as well as mailed offers but I have yet to receive the checks I requested. 

When I contacted Citibank on XXXX XXXX, XXXX the agent stated that they would, instead of sending another round of checks, apply the check amounts towards my credit card balance. I agreed and they stated it would show up on my next statement. I contacted them again today XXXX/XXXX/XXXX. They stated that they could not apply that amount to the balance and that they could only send a check. I asked to speak with a supervisor. They stated there was no supervisor available, to wait 3 days. I asked to file a complaint or to have a number for the executive office. They stated they could not provide a number, that anything else I required would have to go through a supervisor who was not available. I spoke with employee ID NUMBER XXXX. 

Since I am unable to receive the rewards entitled to me by the credit card agreement for my dividend rewards card my only other recourse, besides legal action is to submit this complaint, in the hopes that my issue may be resolved in a timely manner. It has been 8 months since the original check amount above was issued but never received and over a month since requesting the check again as well as the other checks I am entitled to. The amounts have been deducted from my dividend rewards without redemption.