23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NATIONAL CREDIT SYSTEMS I was being garnished XX/XX/XXXX. owed money to a property Management in XX/XX/XXXX. This was paid off by XX/XX/XXXX and the garnishment stopped. I was applying for an apartment and on my credit it said i still owed XXXX. I called to deal with them and to set up payments because i had no idea i owed them this long. they were very rude and i would not set anything up. the lady said to call back when i had more money and hung up. Looking more into this i found that others like myself were being charged for amounts that had been paid off. I paid the amounts and the garnishment stopped. i never got anything in writing stating that i still have fees. none of my paperwork says i would still owe money. i have a paper that shows my last payments garnished. they were able to contact me through my employer. if i still owed money why was n't it also garnished? i paid my fees, and now this issue is now making it difficult to find a place to live. this is causing hardship, this will make it difficult to get to work since i now have to move in with a relative, making my commute long and difficult.
Product: Student loan

I attended XXXX XXXX XXXX and the XXXX  time I attended. I had XXXX class to complete to receive my diploma, but they added another class after I paid the XXXX to take my XXXX  class and during this class I was kicked out of the test by the system and not allowed back in the test, not allowed to complete it and subsequently after that I was dismissed from the class when I had a average in the class so there was no reason for me to be dismissed from this class the middle of the class they wanted more money and had me fill out paperwork that did not pertain to the class They will not provide me with my grades or transcripts from the last class and they refusing to give me a unofficial or official transcript. They want me to pay for another class and will not let me use my financial aid that I qualify for.
Product: Credit reporting or other personal consumer reports

I GOT A LETTER SAYING THAT MMY PERSONAL INFO WAS IN A DATA BREACH AND SOLD ON THE BLACK WEB AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE ADDRESS, COLLECTIONS, INQUIRIES
Product: Mortgage

At closing of the property, in which we were the seller, we learned of XXXX XXXX liens against property which turned out to be from a forbearance. Before we listed property for sale, I paid off the entire amount of the forbearance per flagstar. Now the title company held XXXX XXXX times the amount of liens to in escrow and flagstar will not release payoffs so I can get the funds and we on verge of missing closing on our new house. We called on XX/XX/21 and were told by the representative that she found the problem and it would take XXXX days to resolve. On XX/XX/21 we called to check status and it was like we were starting the entire process over again and now we are being told it will take XXXX days. Also the XXXX loans were never processed properly and never even applied to my mortgage. So when I paid back flagstar they just paid off my monthly payments for was behind and never notified XXXX.
Product: Debt collection

Second Round Limited Partnership has filed negative reporting to the credit agencies for a fraudulent debt. No communication was made to me even though my address is available in the public record. I do not have any debts outstanding. The company has not made the necessary correction to the reporting agencies although I have reached out multiple times for them to do so.
Product: Checking or savings account

Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : XXXX  I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back in XXXX on the XXXX of XXXX, I requested that they no longer contact me. I called them up and have it recorded that they agreed to no longer email, call, or send letters in the mail. I had an agreement set up through a third party to pay off the loan. They sent a letter out in XXXX on XXXX XXXX  stating that I owed them Money. They then sent out another letter in XXXX on XXXX XXXX. This resulted in someone in my family seeing this letter and sending them over {$2500.00}. The amount that I owed them through an agreement was {$990.00}. I tried to call them again and demanded that they repay the money back. They refused to do anything about. I called again last Wednesday on XX/XX/XXXX  and talked to someone about it. They assured me nothing was sent out after the XXXX of XXXX. When I started telling them that I am still getting letters and causing problems in my family they assured me someone would be calling me by last Friday, XX/XX/2023. I just called them up again and they still have no answers or anything on what is going.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is an freaking crook and they have stole my identity as a natural person and living being! Equifax has violated the FCRA law pursuant to congressional law 15 USC 1681-etc. I've attached an affidavit of truth! As of XX/XX/2021 they are violating the laws of congress and let the record reflect for the record and on the record it be made known.
Product: Credit reporting

I have disputed XXXX accounts with Experian and each time I dispute the information they come back stating that it is my account without sending a validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX XXXX.
Product: Mortgage

RE : LOAN DEPOT I received a flyer showing an attractive interest rate for a mortgage refinance so I called for further information. I answered the representative 's questions ( XXXX XXXX NMLS # XXXX ). And, I told him I would only be interested in a fixed rate 30-year conventional mortgage with no points or closing costs. My credit rating is more than 800 and debt to asset ratio low. He quoted me a rate very little less than what I have but more than the flyer advertised. Furthermore, there were fees exceeding {$3000.00}. I made it clear that I was NOT INTERESTED in his loan and told him to destroy my information and to stop any and all processes to apply for any loan and/or refinance. He said he would but he did not. Today I received a large stack of papers with my personal information ( much wrong ), and an application for a variable rate loan with even more fees that were disclosed in the phone call. I called Loan Depot today and told them to STOP THIS PROCESS, DESTROY MY INFORMATION, AND TO NOT SHARE ANY INFORMATION WITH ANYONE AT ANY TIME. The lady I spoke with said she would honor my requests. 
I feel betrayed, lied to, and used. My personal information has been used against my wishes and leaves me open for more abuse in the future. Loan Depot should be stopped from their deceptive practices and from abusing other people 's personal information. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX with 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX XX/XX/XXXX EXPERIAN FRAUD DEPARTMENT : RE : Dispute of Collection Account under FDCPA Section 809 ( b ) Dear Experian, I am writing to formally dispute a collection account that appears on my credit report. This account is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), which requires a debt collector to provide proper validation of the debt upon request. 

Additionally, the actions of the credit bureau in purportedly verifying this account within less than 24 hours demonstrate complicity and corruption, as such rapid verification without valid and substantive evidence is highly suspect and procedurally flawed. 

The account in question is as follows : Debt Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} I have previously disputed this debt and requested validation from the debt collector. Despite multiple attempts, no valid evidence has been provided to substantiate the debt. My specific concerns include : Lack of Proper Validation : The debt collector has failed to provide a proper validation letter or sufficient documentation to prove that this debt is mine. Under FDCPA guidelines, a sole copy of a bill is not adequate proof of ownership of the debt. Furthermore, this debt has been sold and resold to multiple collectors, none of whom have been able to validate the debt. This repeated transfer of ownership raises further questions about the legitimacy of the debt. 
Incorrect Address : The only document provided was a bill linked to an address where I have never resided. This alone demonstrates that the debt does not belong to me and that the collection is inaccurate and invalid. 

Credit Bureaus Verification : The credit bureaus claim to have verified this account within less than 24 hours lacks credibility. Verification of a disputed account requires obtaining and reviewing actual, valid evidence from the original creditor or the current debt collector. Without such evidence, the claim of verification is baseless and undermines the integrity of the credit reporting process. 
Under the FDCPA, a consumer has the right to dispute a debt and receive proper validation before any collection activity can continue. The collection account in question fails to meet these requirements, and its continued presence on my credit report is both unjust and unlawful. 
I demand the immediate removal of this collection account from my credit report. Failure to comply with this request may result in further legal action, including reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Please confirm the removal of this account in writing. Should you require any additional information to process this dispute, do not hesitate to contact me directly at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXXor fraudulent debt reporting and failure to provide necessary documentation regarding a disputed balance. 
I vacated the rental property Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX within the legally allotted time frame per Louisiana law. 
I was never evicted, and I did not owe a balance when I moved out. 
However, XXXX XXXX XXXX wrongfully sold a balance to TeleRecovery, a collection agency, despite my not owing them any money. 
XXXX XXXXXXXX XXXX received payment from TeleRecovery as part of the debt sale, meaning they no longer had any claim to the balance. 
This transaction created a new legally binding contract between XXXX XXXX XXXX and the collection agency, excluding me from the process. 
Two years later, this fraudulent debt appeared on my credit reportwhich I was never made aware of and never agreed to. 
When I requested a XXXX balance letter from XXXX XXXX XXXX, they refused to provide XXXX, despite no longer holding the debt. 
As a result, I am now unable to rent an apartment because landlords require this documentation to confirm I have no outstanding balance
Product: Debt collection

On XXXX, XXXX | sent out proof of verification letters to Equifax, XXXX, and XXXX, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXXXXXX XXXX XXXX XXXX  XXXX ( Equifax ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was reported by Equifax that I have had 3 Hard Inquiries, I do not have any knowledge of these but I was made aware through an alert on my XXXX XXXX App that allows me to monitor my Credit Score. Here are the accounts that were marked for Hard Inquiry : XXXX XXXX, 2 Inquiries : First Inquiry was marked at XX/XX/2019. 
Second Inquiry was marked on XX/XX/2019. 

XXXX, ( Im assuming XXXX XXXX ) : This Inquiry was marked on XX/XX/2019 as well. 

I did not authorize these hard inquiries and was knocked down by 54 points in my credit report which is ruining my score.
Product: Debt collection

This company is reporting two collections on my credit report that are not mine. I am XXXX and spent most of time abroad. I do not any credit cards or debts. They are destroying my credit and do not have any regard to the law.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit card

I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for XXXX months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO scored dropped from XXXX to XXXX ( TransUnion ) and from XXXX to XXXX ( XXXX  ) in 1 month. I recently refinanced my home mortgage and both credit reporting agencies are showing duplicate hard inquires and an incorrect average age of accounts. I have had credit accounts since XXXX. XXXX  shows my FICO score at XXXX as of XX/XX/XXXX. 

If this information is not corrected with 30 days lawsuits will be filed against both companies seeking all remedies allowed by law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} **Inquiries** XXXX ( Bank ) XX/XX/XXXX 2023
Product: Debt collection

Received legal court complaint in mail, did not have to sign for it. I have no prior knowledge of XXXX or accounts claimed in complaint. I have never been contacted by them by phone or by mail. I would have asked for validation at that point and possibly arbitration. Filed response with the court and have a court date set. I also sent a certified letter to XXXX asking for debt validation, proof they own this debt and the rights to collect by lawsuit, and I asked for a copy of the original agreement to verify arbitration. I have not been contacted by them since in this matter. They took this matter straight to the local court instead of following proper protocols and regulations. Looking into retaining a law firm to file a class action lawsuit against XXXX XXXX due to their collection practices.
Product: Vehicle loan or lease

I traded my car on XX/XX/2023. As of today I still have not received my gap insurance refund. I was told it was a 60-90day process and that they received the check from the gap insurance company XXXX XXXX, XXXX. Today I called and talk to 3 different associates who all told me they will be in contact with me if anything changes but still did not guarantee that the check was being processed to be sent to me. Im not sure what kind of scam is being ran but it has never taken me this long to received a refund from my gap insurance. As of today XXXX would not allow me to talk to upper manager to resolve the issue.