23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by " XXXX XXXX XXXX  '' regarding an old debt from 2008 in my name with XXXX XXXX. They said they attempted to serve me at an address I haven not resided at in 7-8 years and that they are attempting to file a judgement with XXXX for {$3000.00} ( including legal costs ). I was told the attorneys name was XXXX XXXX and to expect a XXXX  agreement which I did and screenshotted. Since they failed to know my current address I looked up the company and attorney name. That name is NOT a legal attorney in California. I also called XXXXXXXX XXXX They stated they DO NOT contract out collections and do not have any account in my name open, closed, or in collections. Also I was living in XXXX  when that debt was signed for but also resided in XXXX since. Both states statue of limitations have been not only exceeded but almost doubled XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> Inquiries that I did no t authorized nor have any knowledge of I dispute it with an agent telling that its not accurate I did not aware of this they said it will remove but it did no
Product: Debt collection

I was sent a warrant of debt on XX/XX/year> with a date for me to appear in civil court on XX/XX/year> which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.
Product: Money transfer, virtual currency, or money service

PAYPAL CLOSE LOCK MY ACCOUNT PERMANENT AFTER REQUEST HELP FOR WITHDRAW MY MONEY. 

NOW I CANT USE PAYPAL, THIS COMPANY IS STILL FROZED MONEY FOR PEOPLE AND THEY JUST TALK ABOUT RISK BUT NEVER SPECIFIC THE RISK. 

this is XXXX  company i feel i want this company one day should pay people for the arbitration decision and stole money to the user, if sombody paid me, and them i call for request my withdrwa why the respond blocking me permanent. 

i see in internet many people has same problem XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to purchase a vehicle & was denied to learn the reason is because i have damages on my report however i have accounts on my credit report that i did not open or have no knowledge of under the 15 U.S.C 1681 law there shouldnt be any damages to my report thats a deformation of my character. Discover bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL website.
Product: Debt collection

I filed a complaint XX/XX/XXXX about this {$1100.00} bill with a different Credit Agency. My credit was restored and another agency ( Central Portfolio in MN ) that I know anything about has filed this same amount XX/XX/XXXX, not identifying the charge or contacting me about it. I lost XXXX points off my credit score again. I learned about this when I checked my credit score. Please assist me with this matter again. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/2022 at around XXXX XXXX I checked my email and I had a mail from Wells Fargo stating that a wire transfer is being transferred for the amount of {$24000.00} me and my wife called that second to bank and told them that that was not us making that transfer so bank canceled all of our acc and froze the wire transfer is what they said to go to bank next morning to reopen a new account so I did they told me they were under staff to come back tomorrow so I did go to the XXXX Wells Fargo bank in XXXX ca so they sat me down and explained what happen to banker he explained to me not to worry we went ahead and reopened a new account and when I saw that the XXXX  was missing I told him he called head quarters and looked into it that they will call me they will investigate after two weeks they kept me waiting more after a month they send a letter stating that after their investigation they came with conclusions that it was my fault that the people got all my info this is wrong they even told me the person that took that money from Florida I have nobody in Florida I explained that to them they said they was sorry now a lawyer wants XXXX  to take my case till a friend send me ur website here hope to XXXX u can help and deal with this bad banks thank you and XXXX bless u
Product: Credit reporting, credit repair services, 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 items : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXXXXXX XXXX.
Product: Vehicle loan or lease

In accordance wit [ the Fair Credit Roporting act XXXX Account # 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 I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXXXXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete
Product: Mortgage

For almost 2 years after my husbands death I tried to talk to the company Specialized Loan Servicing. They would only say I wasnt on the loan, and then before foreclosure they said to fill out loan application, which I did and sent it back, they then tell me it was received to late. I filled it out the day I received it and mailed it the next. 

I have been reading about this loan and what was done to my husband at a time he was very ill and loosing his business. The loan was transferred, modified and now has a deferred payment ... these are illegal if the person asking for the help is in the financial and health problems he was. This is a XXXX XXXX ... XXXX XXXX mess ... by XXXX XXXX guide lines this was all fraudulent ... they never verified anything, plus it was all sent to a PO Box which was illegal by XXXX XXXX guidelines and that I had no access to. 

I was unaware of everything from his business to the loan on this property ... 

He had nothing and they New it, I owned half but they didnt care.. 

Please help me not th loose my home and see how all of this was fraud ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this car loan in XXXX it has had an oil leak recall ever since. I have taken it in a few times to get the oil leak fixed and every time I did, they would say it was fixed but it never was. Had to stop paying on the car because I kept having to put money into fixing it. Fast forward to XXXX the car transmission went out due to the oil leak. No one in that 4 to 5 years ever came to get the car. Nor did they send me any papers requesting information on the car. Now in XXXX in the last month, I started receiving calls about this car. The amount showed up recently for {$20000.00} I am now being asked to pay. The amount is incorrect considering I paid over 2 years {$450.00} a month. I have asked that this be removed from my credit report 1. Because this last month is the 1st I've heard of this account. 2. Because in the State of Texas the loan and collection is passed the statutes of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My SSN is SS # : XXXX. I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security XXXX on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1993. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Student loan

In light of my new understanding of consumer laws, I've discovered that Mohela is in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( No disclosures were given ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I was never given the option to Opt-Out )
Product: Debt collection

XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. 

Company is Skopos Financial phone number is XXXX
Product: Student loan

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit card

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. In XXXX and XXXX I had no way to contact company. Once able, I contacted them in late XXXX via online for assistance with payment due to XXXX and explained how I could not return to work until XXXX. I offered proof of problem. The company stated they could not help, but that I could make payment. I was soon able to come up with {$50.00} of my last money. 

Once XXXX came and I was able work again, I made another payment totaling now to {$90.00}. I also had a payment scheduled of {$160.00}, but was confused on the fees and the amount they were stating was due. 

I called the company and requested a complete breakdown of information. While on the call I explain my XXXX XXXX and that I reached out prior before due to them. The company states they closed my account just days prior, without warning. They also stated that my minimum payment went up to {$210.00} and must be paid in a few days to avoid another {$41.00} fee. Confused, I asked for a breakdown, date of when account was closed, and assistance with a supervisor due to XXXX XXXX 

Once transferred to the supervisor, they stated they could not send me anything and that I had until Friday to make at least a {$100.00} payment and they will issue an up to 50 % match pay. The website however stated {$160.00} previously minimum, causing confusion. Uncomfortable, asked again for paperwork due to the fees being placed and not understanding why the minimum was now 61 % of the actual purchases made on the account. I stated to them I don't mind paying if they could validate the information, but due to the information online not matching what they stated over the last few months I was not comfortable, and still not comfortable with the amount being requested. 

After research I see the company has in their guidelines that they will change the minimum payment amount and charge whatever amount they choose at any time. This guideline seems to be an ill practice and should be investigated as well. 

I will most likely also be putting a complaint through the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

There is a Bankruptcy on my file and it states that my dispute was verified when the courts do not report to the credit bureaus. So I got a letter from the court showing that they are not selling this information to Experian but Experian says that the investigation is valid and updated.