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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I only use XXXX for the convenience of my clients to pay me. 

On XX/XX/2022, I noticed 2 unauthorized, fraudulent transactions on my XXXX XXXX screen, along with several names on my XXXX page of people that I do not recognize as contacts : On XX/XX/2022 there was a XXXX unauthorized money transfer out of my Wells Fargo checking account, that is linked to XXXX, of {$65.00} ( case # XXXX ). 
On XX/XX/2022 there was another XXXX unauthorized transaction out of my Wells Fargo checking account, that is linked to XXXX, of {$600.00} ( case # XXXX ) On XX/XX/2022 upon noticing these 2 unauthorized, fraudulent transfers, I filed an online complaint thru Wells Fargo. 

On XX/XX/2022, without anyone contacting me to gather any information about these transactions, they told me today that the {$600.00} XXXX transfer was DENIED by Wells Fargo after their investigation. 

I've been reading that there are several complaints against XXXX for this and other type of illegal transfers with the same resolution : denied. 

Since Wells Fargo is not willing to assist me further with these illegal transfers, I'm filing a complaint here to see if further assistance could be rendered or to at least, make this known.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only bureau that is still reporting an old item that shouldn't be on my credit anymore. I have sent several disputes to Equifax with no response back. 
They are still reporting a XXXX XXXX XXXX account and it is over 7 yrs old.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Email Address ] [ Date ] January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NY XXXX RE : Formal Dispute and Demand for Proof of Legal Authority to Collect Account Ending in XXXX To Whom It May Concern, This letter is in response to your XX/XX/year>, communication claiming I owe a balance of {$1400.00} for an alleged XXXX  purchase financed by XXXX XXXXXXXX. Please be advised that I am formally disputing this alleged debt in its entirety under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

You Are Required to Prove Legal Standing As January Technologies , Inc. is now claiming to collect this debt, you must provide full verification of your legal authority to do so. Specifically, I am requesting : XXXX. A complete Debt Collection Authorization Agreement or Signed Retention Agreement If you are collecting on behalf of XXXX XXXX XXXX, you must provide a valid contract showing that XXXX has legally authorized you to collect this specific debt. 
2. A valid and certified Purchase Agreement If January Technologies , Inc. is acting as a debt buyer, I request the full purchase and sale agreement, including the chain of assignment, proving the legal transfer of ownership from XXXX XXXX XXXX to your company. 
This must include clear identification of the debt, including my name, the account number, and the total balance at the time of transfer. 
XXXX. Proof that the debt has not been resold or assigned to another entity If the debt was transferred, January Technologies has no authority to collect. 

Delete the Account and Cease All Collection Immediately Until you can provide full legal documentation proving your standing to collect, I demand that you : Delete any record of this alleged debt from your system Cease all collection efforts immediately and permanently Confirm in writing that you will not report this alleged debt to any credit reporting agency Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney General. Continued collection without valid proof of authority constitutes a violation of the FDCPA and state consumer protection laws. 

I expect a full response within 15 days of receiving this letter. Silence or failure to provide the requested documentation will be taken as your inability to validate the debt or prove legal authorityand all further actions will be treated as unlawful. 

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

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet the XXXX XXXX Compliance guidelines. I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected. I have mailed a notice of my intention to file an arbitration and I am also uploading the same documents to the CFPB for my records
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name number Avant XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX U.S.C. XXXX ] section XXXX respect for the consumers right to privacy. 
15 USC 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on what I believe to be inaccurate information on my XXXX  credit report. I can't get into the XXXX  dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX  AND XXXX. I file a dispute with both. XXXX  cleared it off of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

That claim my car was worth only XXXXXXXX XXXX but it was worth over {$7000.00} still worth around {$6000.00} today. They had a tow truck rip it out of my driveway. You all already order tmx title Max to pay for unlawful loans which mine qualifies for but I received nothing. They sold my vehicle probably for XXXX and claim they only made {$400.00} XXXX off of it and I still owe them yet it is still assessed by county today over {$6000.00} I got the price I bought it at just around a year before they tool it and sold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status.

I have attached supporting documents that verify the inaccuracies mentioned above.

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law.

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above.

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account 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 or my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase Credit Card violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 



XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX. XXXX, XXXX {$2300.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX  {$970.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Checking or savings account

Hello, We received letters dated XX/XX/2022 from J.P Morgan Chase bank that they decided to close all our accounts, 5 personal and 2 business. We are a local community doctors medical office who is surviving the financial toughness of this pandemic along with helping the sick community in XXXX north suburbs. The bank decided to end all relationships with us and our company without any given reason. They close two of our business accounts and five personal accounts. We ( family and business ) being customers with Chase bank for 17 years, never had an issue. Unfortunately, without any explanation all our accounts decided to be closed. My attempts to get answers from the branch manager in person and from the support team over the phone had no success. This act causes sufficient damage to all our operations during tough times of fighting with XXXX  related problems. We deserve at least an explanation why the bank is throwing us away.
Product: Debt collection

I cancelled internet service with XXXX as they did not have customer service for deaf customers and their internet service failed to my home. Their response was always " call us '' but they did not have TTY and I am deaf. I was billed for several months where clearly I did not have service and thus XXXX failed to meet the minimum contract service requirements. XXXX eventually agreed not to charge me for their failed service, however I have now received an offer from Convergent to reduce the {$190.00} that I do not owe to {$130.00}. 

This is a fraudulent attempt to collect a debt that was discharged by XXXX and which resulted in a number of complaints against XXXX by Colorado customers with similar complaint histories as mine. I NEVER owed CenturyLink as they were notified that I cancelled internet service and continued to bill me after I cancelled service in violation of Colorado law and contract law. Convergent is committing XXXX   by attempting to coerce payment for a " zombie '' debt that XXXX has clearly XXXX from their accounting books.
Product: Debt collection

I leased a leather couch from American freight and XXXX XXXX Colorado, it was sofa and a love seat on XX/XX/2021 in the amount of {$1300.00} so the delivery date was set 3days After and when they brought the couch it was all scratched out and dusty with finger prints all over it the delivery guy told me it was a used couch they dont have brand new couch in the ware house I found a lot of damages so I called the manager and she told me if I can deal with it before they receive a new merchandise and I told her I cant so I returned the couch on the XX/XX/2021 but as at now the store is still reporting late payments on my credit when I dont even have the items no more I understand there are store policies but since the items were returned I dont have to make no payments and I want it to be removed from my credit or deliver me a brand new couch with no damage I have pictures of the damage I want CFPB to investigate and help me thank you
Product: Mortgage

I was given a homeloan by XXXX XXXX MORTGAGE XXXX of {$80000.00} and I was XXXX and receiving SOCIAL SECURITY {$600.00} /month.This loan was transferred to several banks that i can not keep up and did not know who really owns the note.This loan amounted to XXXX the amount of the original loan that made me difficult to make payments.I was advised by XXXX XXXX XXXX XXXX stop payment and i will qualify for HOME MODIFICATION, I follow the advice untill my arrears become so high and I was forclose and sold my property on auction XXXX.Nobody offered to buy my property and I was told that it belong to XXXX XXXX XXXX AS SUCCESSOR TRUSTEE TO XXXX XXXX XXXX BANK , XXXX , AS FOR THE HOLDERS OF XXXX XXXX TRUST XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX XXXX filed Bankruptcy Chapter XXXX hoping these bank will allow me to modify the loan, I was not given a chance to appear on XXXX hearing and the JUDGE XXXX XXXX UNITED STATES BANKRUPTCY JUDGE OF XXXX XXXX OF CALIFORNIA granted TRUSTEE MOTION FOR RELIEF FROM AUTOMATIC STAY .The XXXX hearing was held U.S. BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA., My rights as citizen and homeowner was violated.I was never given a chance to defend my self and that I have the physical possession of TRUST DEED, TRUTH AND LENDING ACT, AND ORIGINAL NOTE OR SECURITY INSTRUMENT in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Debt collection

XXXX XXXX XXXX DBA Genesis Credit sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing Genesis Credit that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities.

Genesis Credit did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. Genesis Credit proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, Genesis Credit emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.
Product: Debt collection

Debt collection Kinum is contacting me about a medical debt from XXXX. I tried to explain to 4 different representatives of this company of my attempt to rectify this debt back in XXXX when I contacted the original debtors ( Ear, nose, throat ). I received a bill summary from original debtors stating no debt/balances owed, which I emailed to a manager today  XX/XX/XXXX. Kinum reps laughed, making statements of disbelief, yeah right, just pay your bills and I wouldnt be calling. Telling me to be quiet and let them speak is not a way to handle my money or personal information. I no longer feel comfortable rectifying or providing anyone from this Kinum company my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the fair credit reporting act Discover account number XXXX, has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 and purpose.
Product: Debt collection

XX/XX/2017- Turned my debt over to XXXX XXXX XXXX ( Debt Consolidation ) XXXX XXXX sent my Power of Attorney and Cease and Desist letter to XXXX XXXX but they continue to call my work repeatably. They may call my cell phone but not my work place. Last Call XX/XX/XXXX XXXX XXXX central XXXX XXXX XXXX XXXX
Product: Debt collection

I vrecently checked my credit report and discovered that there was an address ( XXXX XXXX XXXX, XXXX, Michigan XXXX ) and, theres a cellphone in my name associated with that address. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( no ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt nor any such debt in fact therefore exists.
Product: Student loan

I finished paying off this consolidated student loan back in XXXX XXXX XXXX! I have documentation from them showing this as well! They now are saying that I still owe.