23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1.I have never had an account with this company ELEVATE RECO XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ELEVATE RECOVERIES LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX On XX/XX/2023 I received a payment from XXXX XXXX in the amount of {$1500.00}. On XX/XX/2023, i initiated a full refund to the sender. Instead of refunding the buyer the payment she sent, paypal took the refund out of my bank account because I did not provide my ssn. I went ahead and updated my ssn. The money is still being held. Basically paypal refunded the sender her payment with money from my bank account while holding the payment she sent me. 

Im requesting paypal to deposit the money back to my account.
Product: Debt collection

To Whom It May Concern, On XX/XX/XXXX I received a Debt Collection Bill from Aspire Credit Card. I immediately spoke to a Representative and both verbally requested a Cease & Desist of further contact and emailed them a Cease & Desist Letter. The Rep said that they would comply and would not seek any further contact with me. 

In XX/XX/XXXX I get another Debt Collection Bill and I once again call Aspire and speak to a Rep. 
They said that this was a mistake and it would NOT happen again. 

In May I get another bill from Aspire and once again I talk to a REP and they mention that the Cease & Desist Letter was in effect as of XX/XX/XXXX ( XXXXXXXX XXXX XXXX? ). They also mentioned even though they received a Cease & Desist Letter that they will NOT stop sending Bills because I owe them money. The CSR, is off shore not located in America. I ask to speak to a Supervisor and they told me, one is not available. 

XX/XX/XXXX I still am getting Bills from Aspire and I end up texting them instead of calling. Once again I get an apology and that's it. 

In XXXX I get another bill and I have had enough!!! 

Enclosed please find copies of my original Cease & Desist Letter along with gifs of XXXX & XXXX bills. 

I am legally disabled in the State of Texas. I collect XXXX. I am judgement proof from any money demand law suits. They will NEVER collect money from me.
Product: Credit reporting or other personal consumer reports

Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX {$550.00}, XXXX {$550.00}, please remove from my credit file
Product: Mortgage

Mr. XXXX XXXX NMLS : XXXX ) contacted me via phone and after I declined his services ( I already have the quotes I need ) he proceeded to tell me about his mortgage company and asserted that no one could beat their offers. I humored him and told him he could send over an information request packet so I could look at their rates - when the email came in, he accused me of " playing house money '' ( whatever that means in the context of a loan origination ) to which I responded and asked him to discontinue contact with me since he was very rude. Today, he sent me another email, contrary to my specific and formal request to stop contact.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed and I was confirmation that the account would be removed from my account. However I checked my report and it's still reporting. Please remove this item from my credit report.
Product: Debt collection

This debt from the original creditor   XXXX   XXXX   XXXX   was deleted from my credit report  XXXX  last year. Now this new collection agency  XXXX   XXXX   XXXX  has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.
Product: Debt collection

Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Jefferson Capital System LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I been using cashapp for along time and I keep asking for cash card and it just says unable to transfer
Product: Student loan

I have been in some form of bankruptcy since XXXX and paid my last payment in XXXX XXXX. At that point my loan went from a total of {$160000.00} to whopping {$350000.00}. All my loans double in size which should have bankruptcy stay and not capitalized interest. I requested someone from Navient to research how my interest was calculated I received an immediately approval of consolidation in order to stop the conversation. I need help to discern why all my loans have doubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
Product: Credit reporting or other personal consumer reports

Several charged off accounts are being reported on my credit report with a past due balance. Charged-off accounts can not be reported with past due balances. I have disputed these accounts but I keep getting ignored.
Product: Vehicle loan or lease

I just want to know if im eligible for the wells fargo settlement XXXX. Last XXXX we bought a used XXXX XXXX  XXXX and got a loan thru that bank.
Product: Debt collection

Portfolio Recovery Associates had placed this negative items on my credit reports without notifying me. I filed an dispute with Portfolio Recovery Associates on XX/XX/2014 and they never responded to my dispute. Portfolio Recovery Associates violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this item deleted off the CRA within 15 days from the date of the dispute letter.
Product: Debt collection

I asked them to verify it was my debt since i never did business with them and they never responded
Product: Credit card or prepaid card

Company closed my account unexpectedly and without notification on or around XX/XX/2020. When I called to inquire as to why ( after being embarrassed at a restaurant when my card was declined ) I was placed on multiple long holds after which I was told the account was closed due to " evidence of a previously financial crime conviction '' ( their exact words ). Neither I or anyone in my family have ever been convicted or even suspected/investigated of a financial crime, so this was a big shock to me. I was told via a email I received after calling in to inquire about the closure that evidence/documentation would be provided to me within 30 days ( the attachment stating that is included in this complaint ). It's been almost 90 days of this writing and I still haven't received anything. When I attempt to request the documentation via phone I have been told that there is only a general feedback form which doesn't require a response. I have just now submitted yet another request for documentation but the customer support representative advised me that I may or may not receive a response.
Product: Mortgage

Lender refuses to postpone foreclosure sale to complete my loan modification review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, CKS PRIME INVESTMENTS LLC and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Transunion. Despite my initial contact with Transunion on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I plan to have a conversation with the creditor responsible for this account to clarify all of the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX XXXX XXXX XXXX XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} XXXX confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Highest Balance : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : DEPT OF ED/XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.
Product: Credit reporting or other personal consumer reports

XXXX is stating that they are verifying inaccurate bankruptcy from this company. If that is the case this company is reporting inaccurate in my file that they have with on me.
Product: Checking or savings account

Verbiage : I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Mortgage

I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Kondaur Capital has not been reporting my payment history with the XXXX. I have reached out to Kondaur on numerous occasions and even followed their advice to create a dispute with XXXX. I started the dispute XX/XX/20 and had to follow up with Kondaur on XX/XX/20 about the payment history being sent to XXXX. Today XX/XX/20 Kondaur removed the loan from XXXX and never reported the missing payments from XXXX.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS , L.L.C has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " XXXX '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX  point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'XXXX  ' or NATIONAL CREDIT ADJUSTERS , L.L.C. This account is FRAUDULENT.
Product: Payday loan, title loan, or personal loan

On Thursday, XX/XX/XXXX, and in accordance with the Loan Agreement attached to this email, I contacted eLoanWarehouse by email in order to revoke my authorization of electronic payment. Despite the Loan Agreement merely stating that I needed to send notice via email, I received a series of emails insisting that I also needed to call ( also attached to this email ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX* 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: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.
Product: Mortgage

When I contacted the broker, I was told loans could process in as little as 8 days. When I asked if they could insure 21 days I was told absolutely yes. I am now being told 30 days at the best. 
Initially, XXXX % down was agreed upon. After committing to use their program, I was informed that XXXX % would need to be placed down. 
EVERY SINGLE PROMISED DATE HAS NOT BEEN MET. There has been delay after delay, all blamed upon other entities but, it seems to me there has been little or no sense of urgency to resolve until I get a hold of them at the end of the day and then it is too late for that day. I constantly receive promises that are not kept. The loan processor does n't work every day so there are days where no updates are forthcoming. 
In summary, I feel I was led into a loan and once I was vested in it there has been lack of communication and no sense of urgency to fulfill their promises. 
I advise anyone working with this office to be cautious about what they are promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XXXX XXXX XXXX account paid off XX/XX/2020 and Texas XXXX XXXX XXXX is continuing to report the account late after being paid off.