23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to make a final goodwill attempt to resolve significant issues regarding the accounts you reported as verified. The accounts in question ( XXXX and XXXX ) are inaccurate, incomplete, and represent serious errors in your reporting. This is my second written communication to your company regarding this matter, and I must remind you that you are in violation of 15 U.S.C. 1681. Under the FCRA, you are required to verify the accuracy of any account listed on my credit report with physical documentation.

I do not want a response that merely echoes your dispute codes and automated systems.

I request that you provide your method of verification for the accounts you claim to have verified.

I am concerned about the validity and accuracy of your recent investigation into my accounts. I previously requested an investigation because I believed the items were not being reported legally. Recently, I received a notification stating that your investigation was complete.

To clarify this matter, please answer the following questions : 1. What certified documents were reviewed during your investigation?

2. Provide a complete copy of all information transmitted to the data furnisher as part of the investigation, including : a. Who did you speak with?

b. What was the date of the conversation?

c. How long did the conversation last?

d. What was their position?

e. What number did you call?

f. What is the name of your employee who spoke directly to the creditor?

g. What is the position of your employee that contacted the creditor?

Along with your response, I respectfully request a notarized affidavit confirming that the information you provide is true and correct, as granted by my civil rights under several federal laws. This should not be a form letter response.

My initial dispute was detailed and specifically related to the accounts in question. A template response will not be acceptable. If you are unable to provide all the requested information in a timely manner, I must demand the permanent removal of the items listed above from my credit report.

The law is clear regarding civil liability and the remedies available to me for negligent noncompliance. I am a litigious consumer and fully intend to pursue litigation to enforce my rights under the FCRA if necessary.

Thank you for your prompt attention to this matter.
Product: Debt collection

This account is fraudulent. At the time I was married and my Ex-husband had access to my personal information and my SSN. And from reviewing my credit report this company is saying that I just started this account. Which is not possible because I haven't tried to open up any kind of credit with this company.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX5 U.S.C. 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.

15 U.S. Code 1666b - ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

On top of the US code that has been violated, I have reasonable suspicion that there is various information within the report as inaccurate and hereby demand that the negative items impacting my credit reporting is hereby removed swiftly and promptly.
Product: Credit reporting or other personal consumer reports

I contacted EQUIFAX numerous times trying to get this fixed. They are reporting 2 late payments on my credit report from XXXX XXXX  Account XXXX XXXX XXXX. This account was closed voluntarily by me on XXXX of XXXX due to the fact that there website kept having issues and not accepting payments and posting payments at later dates. I have never been late with a payment and got tired of having to always fixing this issues. I contacted XXXX XXXX  to close out my account because they violated my consumer rights. They told me the account was closed over the phone and continued to report on my consumer report for 2 additional months afterwards. They reported me late XX/XX/XXXX and XX/XX/XXXX and shows the account closed in XX/XX/XXXX when the account was suppose to be closed in XXXX. This has been a burden and is now stopping me from buying a home by making my interest rate so high I can not afford it for my family. I am currently in litigation with XXXX XXXX l in regards to the matter. EQUIFAX is still posting this incorrect information that is apart of a litigation. Furthermore aside from this instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. EQUIFAX It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL  status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws.
Product: Debt collection

An account with American First Finance was charged off with an owing balance of {$700.00}. I have received an alert stating that the account is reporting with an owing balance of {$2000.00} to my XXXX Credit report. this information is not valid and is a violation of my rights. 

I would like for this account to be thoroughly investigated. This is a major violation of FCRA 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 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 accurate.
Product: Debt collection

I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.
Product: Credit card or prepaid card

I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Product: Checking or savings account

I have had a hold on my account since XX/XX/XXXX. I have not been able to access my account and was told that it was being closed, Nothing has happened on the account since that date. I am trying to buy a house and my credit score has decreased by XXXX or more points, with no explanation! I need my money! Please have my funds released so I can purchase my home! Wells Fargo continues to move the closing date of when I can access my funds! The account has not been closed and the funds have been verified to be there! {$10000.00} is being held from me, Please resolve this matter.
Product: Money transfer, virtual currency, or money service

Cash app doesn't have a live representative that I can talk, unknown sources have tried to take money from my account. I would like to be apart of the lawsuit that was filed by the government for these actions.
Product: Student loan

Since the beginning of this year, I have attempted to send Navient my information for an IBR. They have miscalculated my repayment 2 times. ( my income has gone down, yet my payments have gone up considerably. ) I have written to the president of the company. I have turned in my documents three times as of XX/XX/2019. They continue to harass me via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit ReportingAct. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit card or prepaid card

I purchased tickets for a concert from XXXX and my account was billed on XX/XX/21. The concert was cancelled due to Covid and rescheduled in XXXX. Unfortunately I can not attend on this date. I have requested a refund but I have been told after trying to contact them many times that all sales are final. I later found out that the concert had already been cancelled around 10 days before I even purchased the tickets making this a fraud something they have done before. 

I have asked Capital One to help me dispute this amount but so far they keep closing my case.
Product: Credit reporting

MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX/XX/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX/XX/XXXX AND IT HAS YET TO BE REMOVED.
Product: Debt collection

In regards to Case # XXXX. I found a email I received from XXXX that proves that they criminally used my credit card without my authorization. 

Date Sent : XX/XX/2021 XXXX PM Dear XXXX XXXX, We got your rejection. 
Regarding XXXXXXXX XXXX XXXX, we only charged your per day car rental and tax as part of the package, with no XXXX XXXX for all components. Please note that XXXX XXXX XXXX is a must-have in renting a vehicle. We offered you Trip Protection or XXXX XXXX during booking, and our record shows that you declined. 

At the airport I was told if I have car insurance on my vehicle at home, I do not need to buy insurance for this rental and I denied it again. 

Barclays purposely let this matter go beyond 90 days so that I could not recover {$270.00} fraudelent charge by XXXX. If you search on internet for reviews complaints against XXXX, they have XXXX with most of them unresolved as of today.
Product: Consumer Loan

In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT
Product: Credit reporting or other personal consumer reports

My information was impacted by the XXXX XXXX XXXX and many items in my Experian credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Fraudulent Item & Explanation : XXXX. XXXX - XXXX Service- {$3800.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$21000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX - {$910.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 7. Avant - {$360.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX - {$1000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX {$410.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX {$1300.00}
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint against Midland Funding LLC Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. I just looked at my credit report and I see that Midland Funding LLC Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Midland Funding LLC Collection Agency is in violation of the following regulations and statutes : XXXX. XXXX12 CFR 1006.34 ( b ) ( 5 ) XXXX  : This regulation outlines requirements for debt collectors in providing validation of debts. Midland Funding LLC Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

XXXX. XXXX12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX : This regulation pertains to the provision of written notice by debt collectors. Midland Funding LLC Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

XXXX. XXXX12 CFR 1006.34 ( d ) XXXX : This regulation addresses the timing of validation of debts. Midland Funding LLC Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

XXXX. XXXX*15 USC 1681-S2 ( 7 ) ( A ) XXXX XXXX This statute concerns the rights of consumers in relation to their credit information. Midland Funding LLC Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Midland Funding LLC Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if Midland Funding LLC Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Midland Funding LLC Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

For many years I've been very happy with the service and professionalism with not only the PayPal services but also the PayPal team that have assisted me but since 3 days ago I've been very agitated and annoyed with the way you have handled my current account limitations for simply transferring my money from one of my bank accounts to the other while also gaining membership points in the process for doing so, the reason I use PayPal for these transactions is because it's a lot more quicker and easier this way. 

Just to also take note I had called multiple times while also providing my ID, Bank Statements and all other information required and fully cooperated with your requirements you needed at your end. 

Myself and my legal team had taken a deep look into your assumed 'violations ' to the Acceptable Use Policy along with terms of service and had not found where I have supposedly violated these terms. 

Personally I make sure to read all the legal jargon in regards to the terms of use etc so I know what I'm allowed and not allowed to do. 

Regrettably if this issue has not been resolved in regards to the 'permanent limitations ' account issue I am facing and you do not allow me to withdraw my funds totalling XXXX I will have no other option but to report PayPal to the Financial Ombudsman, Trading Standards along with the XXXX XXXX XXXX until this has been resolved. 

Until I hear a response I'll be making preparations to file these reports. 

Many Thanks XXXX XXXX Email : XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX gift cards for {$50.00} and {$10.00}, respectfully. I was able to redeem them easily. I later tried to use the google play credit and got this error, " Error Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you to not redeem anymore XXXX Gift Cards on this account until you receive a response from us for your submission ''. 
I submitted the required documents, which was proof of purchase. And they responded with, " Thank you for your patience while we reviewed vour account. We have identified some inconsistencies. your account and the information you provided us. As a result, we are unable to help you redeem these gift cards ''. 
As a result I'm unable to use the XXXX XXXX credit. On XX/XX/XXXX, I bought another gift card for {$87.00}, this time a physical one hoping it would be different and encountered the same error and the same response. On my birthday XX/XX/XXXX, I was gifted a digital google play card for {$10.00} and got the same error. This means I have {$150.00} of XXXX XXXX credit on my account I can not use. I've contacted their customer support the previous XXXX occasions and they told me they would get back to me by email and never did.
Product: Debt collection

Dear Sir/Madam, This letter serves as a formal complaint regarding LVLN Funding 's continued harassment and failure to provide proper validation of the alleged debt referenced above, for two accounts. 

Despite my written notifications disputing this debt on six to seven separate occasions, your company has persisted in sending harassing emails and letters. These communications not only disregard my dispute but also contain threats of legal action, stating that I have two months before legal proceedings will commence if payment is not made. Such actions are unacceptable and may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Furthermore, your attempts at debt validation have been insufficient. The only documentation provided has been a one-page credit card summary, which fails to include : XXXX. **Proof of the original purchase agreement** between myself and the original creditor, including any valid signatures. 
2. **Verification of the chain of custody or sale**, demonstrating that LVLN Funding has the legal right to collect this debt.

3. **Comprehensive account statements** that substantiate the amount and validity of the alleged debt. 

Your failure to provide proper validation hinders my ability to assess the legitimacy of this claim. Under the FDCPA, I am entitled to complete and accurate information, and your current documentation does not meet these legal requirements. 

**Demand for XXXX : ** XXXX. **Cease and Desist : ** I demand that all harassing communications via email and mail stop immediately until this matter is properly resolved. 
2. **Proper Debt Validation : ** Provide full validation and verification of the alleged debt, including all documents outlined above, sent through certified mail.

3. **Refrain from Legal Threats : ** Cease making unfounded threats of legal action without first fulfilling your obligations under the law.

I expect a written response within 30 days of receipt of this letter, detailing the actions your company will take to rectify this situation. 

Sincerely, XXXX XXXX