23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY INC #  XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX BANK XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXXXXXX XXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For well over the last three to four years, every since I found out that I was a victim of Identity theft. I have been sending dispute letters to all XXXX XXXX XXXX. Requesting by law that they supply me with information, even a signature showing I authorized this credit card in my name, which I never did. This blemish has been sitting on my credit reports for years. I never had a credit from this company. This account is hurting my name, my future on obtaining a home loan, it's continuing to hurt my credit on a daily basis. I have attacked this credit card company in every way I know how. I have even sent letters in to the Federal Trade Commission, which referred me to you here at CFPB. XXXX XXXX XXXX has an account under my name, acct # XXXX, CARD ENDING XXXX, BAL. of {$230.00}. I sent a debt validation request letter, which they cant provide me any information of my personal information to me. I have a fraud protection added to my credit profiles. I have police reports of identity theft, which was sent in to all three credit reporting agencies. I demand this account removed my my credit reports. I will even try to take legal action in courts to have this matter handled. This debt is not my debt, Please help me with this matter.
Product: Credit reporting or other personal consumer reports

Tried to dispute XXXX XXXX denial that we decided to let the claim go if I made payments over 12 months totaling {$1000.00} dollars they reneged on the deal took my money and kept it on the books. I was disrespected and handled non-professionally and with no integrity on their part. HELP HELP HELP HELP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX credit acceptance, 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

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and XXXX of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00} CREDITOR : XXXX XXXXXXXX, ACCOUNT XXXX, OPENED XX/XX/2016, BALANCE OF {$0.00}
Product: Checking or savings account

Greetings, Chase has closed my account due to the overdraft fees. The issue is I can't open a new account immediately and there is a due balance on my credit card that I can only pay via a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Product: Vehicle loan or lease

I paid off my lease for my XXXX XXXX XXXX in XXXX XXXX by obtaining an auto loan through my preferred local bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The payoff process with Kia was exhausting to say the least. No one could provide a payoff statement and the only option I had was to use the buyout ( or buydown ) statement available to me online. Once the payment was mailed and delivered, it took over a month for the lease to reflect in their system as paid in full. I then experienced issues when requesting a hard copy of the payoff statement to provide to XXXX for completion of the loan. Eventually XXXX was able to accept a copy of the transaction history and a paid in full letter that took several months to obtain in itself. 

The next, and current, issue at hand is regarding the title. As previously stated, the loan was paid in full in XXXX XXXX. The title was not mailed to me until XX/XX/XXXX, which does not appear timely. Not only was there a delay in receiving the title, but also the title was not properly notarized. The title I received was dated and stamped by the notary and all information was completed, with the exception of the notary 's signature. The notary signature is required by my county for processing of the title. XXXX requires that they be listed as the lienholder on the title, as well. 

After several weeks of back-and-forth conversation with Kia 's escalation team and customer service, it was finally determined that I was incorrectly advised that a new title would be sent to me and that I would need to send the title back to the Title department for corrections. I was told that I could request the document be overnighted back to me once signed. I agreed and mailed the title back to the Title department via XXXX 2nd Day Air to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, TX. The tracking number is XXXX and I paid {$25.00} out-of-pocket for this. 

The title was delivered on XX/XX/XXXX. It has been confirmed that this has been received but is still being processed. I am told every 2 weeks to call back in 5-7 business days for an update. I can not contact the Title department directly. No one can email me. No one can call me. The agents can only submit requests and I am left with nothing but hope that the process is completed in 5-7 business days. 

Not only is this process exhausting and frustrating, but also very stressful. XXXX has stated that we are in breach of our contract and they will be accelerating the debt owed ( {$38000.00} ). Additionally, the county has informed us that the taxes for the vehicle will be approximately {$2300.00}. 

As a middle-class family, we do not have this amount just sitting in our bank accounts. We are in the process of building a house and have XXXX small children. An acceleration of debt would negatively impact our credit score, causing us to be unable to continue construction on our new home.
Product: Debt collection

I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau has been reporting 1 fraud account and 1 inaccurate account both derogatory on my credit report. I have sent numerous documents through the mail and online through fax and on the phone for hours. I have been told to bad figure it out myself as they report false inaccurate information that has had my score crazy low for years.. I have over 20 hard inquires all of 17 that are unknown by me. I asked several times for them to validate properly and explain now when i call in i get hung up on and do not get a call back. This information that is not correct has impaired my ability to get a car, loans, credit which is needed in everyday life by a single father of XXXX kids. I was part of the data breach as well and i truly believe this is my whole issue. This company could care less about the consumer that is for sure. I pay them to monitor my report as well which obviously needs to end now. XXXX  and XXXX found all the same accounts and hard inquires to be identity theft and fraud and has taken serious action on removing all and my scores are on the rise. Equifax needs to be audited on there practices sertiously p [ lease help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts that i need DELETED immediately. Under 15 USC 1681c-2, I am demanding the following fraudulent accounts be immediately deleted from my consumer reports as they were NOT accounts originated by myself nor were they authorized to be posted on my consumer report. This constitutes identity theft and they must be deleted immediately. PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed an FTC complaint, See ATTCH : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I open a CareCredit Master card offered by Synchrony Bank in XX/XX/2017. It was offered to me by my dentist to help with my treatment bill ( ~ {$1000.00} ). My dentist 's assistant explained that as long as I pay a minimum payment, I will not be charged an interest. I went with an e-pay, and set up to pay my monthly payment on-line. By accident ( because I agreed that my dentist charged the card again ) I just realized that the offer had an expiration date on my account past by and I have been charged almost {$200.00} interest on my account. Synchrony never sent me any warnings about the expiration date. I tried to negotiate with them but was not successful.
Product: Mortgage

In XX/XX/XXXX we filed a chapter XXXX bankruptcy. The mortgage company submitted a claim for the arerages and the ongoing monthly payments. The bankruptcy closed at or around XX/XX/XXXX. They are now charging {$28000.00} " in fees ''. I have made numerous attempts to get someone to explain these charges and if these were indeed owing why was it not submitted as a claim during the claim period of the bankruptcy. 

I have made numerous calls and received promises to have someone call me back. I have not heard back from anyone. I have written requesting this information ( several times and recently sent a certified letter about 5 weeks ago, again no response. 

I am currently paying 11 % in interest. I need to re finance at a more reasonable rate and I need this matter cleared up
Product: Debt collection

This does not belong to me and is fraudulent, the company XXXX XXXX XXXX XXXXXXXX for {$120.00}, I've tried to reach the company and I've been ignored. I have received no response in 60 days in regards to this inaccurate account.
Product: Vehicle loan or lease

A company called ALLY FINANCIAL INC. has been intentionally misreporting on my credit reports. They are furnishing numerous XXXX-day late payment notations in my consumer reports, and it is ruining the accuracy and integrity of my consumer report. These constant reporting in turn are damaging my ability to get approved for new credit. it is misleading, false, and illegal. The account being reported by this company had already been disputed, but the company insist that is it accurate. ALLY FINANCIAL is in violation of 15 USC 1681s-2 ( b ) ( i ) ( ii ) for intentionally reporting bad information to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX