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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX  
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Student loan

I was a student at XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The school was unable to help me finish, no one would answer the phone. A year later they sent me a certificate stating I graduated. I never received my diploma or stated I graduated. I never finished the classes. I could not get through to anyone. I left many many messages asking someone to help me. They gave me a lap top to use while I was a student but shut my lap top down so I could not even finish my work. I now have been fighting with NAVIENT to get these loans taken off my credit report. I am in a IBR and it is not showing on my credit report that I am on an IBR. It shows I need to make payments so my credit is very low and I am trying to buy a home but I can not bc they over charged me XXXX. Which is a whole other story linked to this awful school that has ruined my life. I can not find anyone to help me get these loans off my credit report. How should I be responsible for loans that I never finished or graduated from. Why will no one help me. Nobody cares I can not get through to NAVIENT they will not help me. I must get these loans updated that I pay {$0.00} am onth or taken off my credit and forgiven for the loans bc I never graduated and school shut down. PLEASE HELP
Product: Debt collection

We have requested multiple times through XXXX XXXX, XXXX  and Bull Financial the validity of in item on my credit report without any proof or confirmation. We have disputed an item from Bull City Financial Solution # XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # XXXX and have even called on a number of occasions and still no documented proof of this negative mark on my credit account. This item was place on my credit report on XX/XX/XXXX for {$110.00} and since then I have been denied credit ( s ) and has effected my right to credit etc. I have requested from all parties XXXX XXXX, Bull Financial, XXXX documented proof of such bill or to have it removed accordingly. I have stated that this bill is not mine as there was a XXXX XXXX residency issue where we received two bills as there were more than one resident showing on XXXX files for our legal address and then was corrected by XXXX XXXX but now it appears this issue/debt was passed onto us. As stated before we believe this is not our bill and have demanded/requested we see this bill / debt validity before paying from all parties with the account detail from the month we were in residency to the final month of residency to confirm this debt that we are disputing shows this valid amount and not just a rollover of this issue into our credit etc. Here are our contact listed : XXXX XXXX XXXX   XXXX ( spoke to XXXX ) File Number : XXXX and reported XX/XX/XXXX and again XX/XX/XXXX first dispute and second dispute closure. As a result XXXX XXXX states they can only confirm the accuracy if Bull FinanciaXXXX states it is valid and not actually verifying the actual debt. This does not make a debt valid by verifying only one side without actually verifying the debt as we are the ones disputing this item and have the right to see a debt as valid before paying. 

We also contacted XXXX XXXX XXXX and they stated they can not provide proof and must go through credit debtor Bull City Financial # XXXX for files confirmation. 

We contacted Bull City Financial XXXX ( spoke to XXXX with no resolution and no evidence of said bill disputing ) as he states can not provide proof of such debt and we have waited since XX/XX/XXXX to today XX/XX/XXXX and have to receive any confirmation of said debt or proof of its validity and refuse to pay this debt without this proof as out rights to pay a debt is being violated and forced to pay an unknown debt or have it remain a negative mark on my credit report. 

I am filing this report as none of the entities described above can provide proof nor remove from my credit report and attempting to bypass my right to confirm and pay or remove as an invalid debt.
Product: Debt collection

XXXX @ Commenity bank XXXX. EXT XXXX. She has been calling and leaving messages on family members phone numbers and non related people with the same last name.
Product: Money transfer, virtual currency, or money service

I transferred the money a week ago. Pay pal has S stolen several times from. I have the screen shot where it says the money should be in there yesterday XXXX XXXX. Not there and there saying someone used my card. I want my transaction posted now and my relationship terminated for fraud and dishonesty.
Product: Debt collection

My information was exposed during the data breach.XXXX  has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

understand my frustration and confusion regarding the closure of my account with GRID/XXXX last year. After paying off the necessary amount, my account was closed on XX/XX/XXXX XXXX XXXX However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This must be addressed immediately. Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as new damage when they have been charged off for a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report as missed payments for each month. According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX  XXXX  Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.
Product: Credit reporting or other personal consumer reports

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the XXXX XXXX XXXX XXXX XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX XXXX XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX XXXX XXXX XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate
Product: Money transfers

I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute is listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is inaccurate it should be higher. There are old information that should have been removed a long time ago. There are inaccuracies in the report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than 7 years.

15 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.
Product: Debt collection

First off I don't have a contract with this company..getting harassing phone calls everyday.. multiple calls per day
Product: Money transfer, virtual currency, or money service

My account with Suntrust bank was closed on XX/XX/2021 with XXXX inside legally earned and when I contacted the bank their response was that it would take 90 days for them to mail me a check since they were conducting an investigation on my account. After the 90 days went by I contacted them again and they told me they mailed me a check the week following my account closure and that the check was cashed on XX/XX/2021 on the Suntrust branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. After that, I Immediately contacted the bank and created a dispute and another investigation was issued for the check that I was owed for the amount of XXXX $ since it was cashed by another person that it wasn't me or my son since we are the only authorized users of the previously mentioned closed account. The fraud case number for the bank is XXXX and it's been more than one month since this started and they told me they would check the surveillance videos with the bank and no advancement has been made on their part to return me my money. I already filed a police report and reported the issue to my condo management office in order for the process to be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Product: Debt collection

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that JEFFERSON CAPITAL SYSTEMS purchased from another 3rd party debt buyer. Jefferson Capital Systems and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Jefferson Capital Systems is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Debt collection

CarePayment allowed me to set up an auto bill via my credit card to pay monthly installments. They then shut the auto pay off without my authorization and charged me late payments. 

They had no authorization to shut off my auto pay. The nature of auto pay is that it is automatic, there should be no reason for me to do any " updates '' with them monthly to keep my auto pay turned on. This is just a way for them to charge unwarranted late fees.
Product: Debt collection

Debt originated from an XXXX made via my prior employers credit card & while operating under my prior employers insurance plan. Rental was under my name. Insurance company rejected claim ( which was under the deductible. ) I repeatedly told callers this, and they ignored my attempts to explain that I was not the person who was responsible for the claim. 

After 2 months of continued and almost daily calls I arranged payment via my former employers & confirmed that the debt originating from the XXXX was paid by my former employer directly to XXXX. Calls have continued despite my confirmation that this debt has been closed in XXXX books. I am in the process of procuring a letter from XXXX confirming this fact ( awaiting arrival electronically. ) An attempt was made to say that I would be on an XXXX " do not rent '' list and that I would suffer personal consequences from this as a result of my supposed failure to pay. This was a lie doubly as my debt had been paid, & if such a list existed I would most certainly not be on it.