23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not a duplicate complaint! I reference the previous complaint number but it is new information in detail. 

In response to CFPB complaints # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for violating a cease and desist notice they received XX/XX/XXXX  and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my Experian consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX, and a XXXX  of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint. PDQ Services Inc stated, that they invite you to write us directly at XXXX XXXX  XXXX, XXXX, GA XXXX. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with PDQ Services Inc and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. PDQ Services Inc " stated your dispute above is too vague and we need more information to complete an investigation. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving PDQ Services Inc any right to collect on this alleged debt. It is my belief that PDQ Services Inc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. PDQ Services Inc also stated " we will be happy to provide a proper response. I have never received any documentation requesting by attempting to furnish validation from PDQ Services Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PDQ Services Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring
Product: Debt collection

Received a letter from XXXX XXXX stating I owed a debt that I dont owe. They are using strategically misrepresentations of the facts to imply they are a law firm not a debt collection agency. 

I told them I was the victim of identity thief. 

I stated the debt was not valid and requested they produce competent evidence that bares my signature to prove I owe them a debt. Future more until they are able to produce valid documentation they do not take any future actions. 
The phone representative told me she could send me an invoice. I requested a signed agreement with my signature. She told me they had no legal obligation to provide such a document. 

Since the voice recording at XXXX states its a law office and the phone representative reaffirmed it, I told her to transfer the call or have the lawyer in the office call me. She told me no lawyer is going to call or is in the office.
Product: Debt collection

The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account numbers ending in # XXXX ( Account Name : XXXX XXXX XXXX ) and # XXXX ( Account Name : 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Product: Debt collection

To Whom It May Concern ; My complaint is regarding an account which Southwest Collections Services Inc in the City of XXXX California claims I owe {$3200.00} which is false.and the amount keeps increasing monthly. It is currently {$3200.00} as of XXXX I have written them on several occasions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. - 1681 et esq ), and California 's Consumer Credit Statues and subtitle D of the ARRA, SEC. 13401. Application of Security Provisions and Penalties to Business Associates of Covered Entities ; and SEC. 13407 ( 1 ) Breach of Security along with the corresponding local state laws. Please also note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.

Each month for the last several years Southwest Collections Services increases the amount they alleged i owe them and show no proof of a contractual obligation or instrument bearing my signature and i have advised them not to take action reporting to XXXX, XXXX and XXXX and they did and currently report to the bureaus. 

I also believe Southwest Collections Services is in HIPPA violation disclosing medical records in the State of California.

Medical Privacy Statues and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. 

I am requesting assistance in having this erroneous information deleted and further requesting assistance in how to properly pursue the matter in my local venue of law. 

Please advise and thank you. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( transunion, XXXX and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

I first notified you of the fraudulent activity months ago by a letter sent through the regular mail which you received. I know you received it because you responded telling me you needed me to call. Unfortunately, I travel a lot and calling is not so simple all the time specially, when you give me an XXXX number that doesnt work outside the United States XXXX somebody should educate your staff so theyre aware of that. Eventually, I have time and I call just a few days ago. First time transferred three times. I finally get a woman on the phone is actually able to help. I explain the situation and she wasnt really sure why the fraud claim wasnt processed. But she told me dont worry she understood the situation and that she would make sure that she had all the information she needed and start the investigation. Apparently all of a sudden I got your attention since you havent been able to help for months prior to this. Now, all the sudden after multiple letters telling me to call, you send me a letter bear weigh two days after Ive called and tell me that youve completed a reevaluation of the claim. When did you evaluate the claim to begin with because you never communicated that with me, there was never a credit issued to the account. I want to know what date it is, that you evaluated the claim initially, and how you communicated that with me? And you were able to reevaluate the claim in such a short amount of time that seems virtually impossible. If you have signed contracts I want to see a copy of every single one of them. I want to see my signature on there. Because just because the thief that stole my credit card signed a contract doesnt mean that I signed it. You know this I shouldnt have to tell you this I dont know why youre being so difficult. I am uncertain if you have not just broken the law. Because I did my part and theres supposed to be a XXXX liability for fraud. I didnt have the card in my possession. I didnt give permission to anybody else to use my card I didnt benefiting anyway from the card being used I never signed any contracts nor did my authorized user, we didnt even have the card and from the representative I spoke to just a couple days ago they were transactions in Indiana and Illinois and Tennessee XXXX I mean I dont even know how thats possible to be an all of those places. I guarantee you after this we wont necessarily be closing the account, but we will make no effort to use these cards. You clearly can not be trusted to protect protect your customers when something goes wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have credit history because recently starting to work under XXXX  so every time I went through I get inquiry.
Product: Debt collection

This is tied to complaint : XXXX and XXXX The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with LoanMe as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from LoanMe was disconnected ( according to the LoanMe rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of XXXX. Lies.
Product: Credit reporting

Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX
Product: Credit reporting or other personal consumer reports

I was really disappointed to find unauthorized inquiries on my credit report this evening, and Im at a loss as to why theyre there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was a mistake, but the unauthorized inquiries didnt go away. This issue is deeply concerning, and Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: Vehicle loan or lease

Starting in 2012, when I entered my 3 leases with various XXXX Dealerships, I was told UPFRONT at the time of purchase, on each of those initial leases that if I kept my vehicle in good condition and under the mileage agreed to I would benefit from any added value the car was worth. Conversely any excess mileage or extra wear and tear would cost me a fee at the termination. 
After I turned in my first XXXX lease, the mileage was over the allowed amount and I paid the extra fees. However, although I was assured of the same return conditions when I traded for my next XXXX lease, when I went to turn the car in that was in excellent condition UNDER the allowed mileage, I was told by 2 XXXX dealers that Ford/XXXX corporate prohibited them from giving me the extra money on a trade in, even though the car had a blue book and retail value above the residual. They both said I was not entitled to receive any extra money because I didn't turn the car in 3 months before the end of the lease. Since my payments were automatic, I never received any notice or a call that changed the deal I was repeatedly told about. This car was then in possession of Ford/XXXX who profited from their questionable proclamations of their dealer leasing tactics which resulted in costing me approximately $ 2-3,000. 
I wrote to several senior executives at Ford/XXXX  management in XXXX, MI to explain my problem and they replied that they have no jurisdiction over their independent dealer group.
Product: Credit card or prepaid card

We went on a vacation to the XXXX XXXX, they forged our signatures for a membership to their vacation resort. We called Comenity Capital Bank ( XXXX XXXX  ) and told them we did not approve of the charge. When we got back to the US, we received credit cards from Comenity saying we owed {$24000.00}. {$12000.00} on credit card in my name and {$12000.00} on a credit card in my husband 's name. We called the company and told them we already told them we did not approve and they reported they had no log of our phone call. We again stated we did not approve of this transaction and that it was fraud. They reported they could find no basis to support our claim.
Product: Debt collection

National Credit Adjusters reported a debt to the credit reporting agencies and never sent me any type of notification. I sent them a validation letter and they have not responded.
Product: Credit reporting or other personal consumer reports

Home Depot has been committing identity theft and has been violating claimant rights.This alleged debt has already paid off in full, and yet Home Depot has been reporting to the credit bureaus when claimant instructed them to remove all information from the credit reporting agencies. This has been costing me a lot of distress and has been taking a toll on my mental Health.
Product: Credit reporting

I recently checked my credit score and noticed my score went from XXXX to XXXX so I got a full credit report from transunion and saw a tax lien on me for {$80.00}. I have no idea where it came from since I have never gotten any notice of any bill unpaid or lien.
Product: Credit card or prepaid card

I disputed ~ {$10000.00} in unauthorized charges in XXXX of 2022 ( hacked through XXXX ). CitiBank cancelled the card I was using and sent a replacement ( per their standard process ). The dispute investigations were not thorough at all and I have been working with Citi to address this issue ( its obvious that the transactions didnt come from me but CitiBank is forcing me to prove these obvious things to them one at a time ). Its easier for the hackers to use my card than it is for me to use it. 

This week, when I looked at my online statement, my card has been hacked again by XXXX because CitiCard gave them the new card information, without my authorization. The hackers appear to be the only people that can use my card ; I sure cant. When I tried to close the account, I was told if I close it the disputes will also be closed. 

I have request through CitiBank and now through this agency : a report showing my undisputed balance and closure of my account. I will pay what I owe but dont plan to pay XXXX cent more. 

The treatment I am receiving from CitiBank is deplorable and completely unacceptable. I have been their customer for 25 years but will never do business with them again.
Product: Debt collection

We terminated an apartment lease that started on XX/XX/XXXX, early due to safety concerns about non-locking windows. We first filed a complaint on XX/XX/XXXX. After documented and repeated complaints to the Apartment Management. the problem remained unfixed until we already secured another rental and moved out early on XX/XX/XXXX. XXXX. Even though we felt the apartment was uninhabitable, we still paid the 2 month penalty fee for termination. The apartment company then proceeded to add a 3rd month penalty and called it a insufficient notice fee in the amount of {$2200.00}. The lease documentation, as evaluated by tenant/landlord attorney we hired, mentioned that this fee was insufficient notice before the end of a lease term and unrelated to early lease termination, which already had a 2 month early termination penalty fee, which we paid. The {$2200.00} unjust fee went to collections on XX/XX/XXXX and is a permanent stain on my credit report.
Product: Credit reporting or other personal consumer reports

CAVALRY PORTFOLIO SERVIC did an unauthorized credit check on my XXXX report. This Account Review Inquiry is unrecognized by me. It's fraud, I don't have no account or did any online credit application. 

This matter needs to be addressed right away.
Product: Debt collection

The company calls at least four times a day from different numbers, which are listed below. Never leave a voicemail and have never mailed any amount due. 

XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX, XX/XX/XXXX XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX ; XXXX XXXX., XX/XX/XXXX ; XXXX XXXX., XXXX XXXX. 
XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX XXXX., XXXX XXXX 
XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I financed a used truck over a year ago and the more I look into the finance contract, they scammed me. I have over 1 year left on the loan and the truck has already been paid for. The contract doesn't say the total finance amount, and they don't say anything about a payoff penalty. I asked them for a payoff amount back in XXXX and come to find out they have a {$18000.00} payoff penalty ( proof attached ). 

I purchased a used XXXX XXXX XXXX from an auction for {$29000.00} ( Financed Amount ) with a {$7800.00} deposit. 

The term is for 36 months @ {$1200.00} per month = {$43000.00} + {$7800.00} deposit = {$51000.00} ( {$29000.00} financed ). The total interest is {$22000.00} but the payoff charge is over {$18000.00}. 

Dakota Financial is very dangerous to small companies!