23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees. 

I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so. 

Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of. 

Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX  on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, experian couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Debt collection

The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Experian XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Experian :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Experian : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it XXXX concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a complaint against Ally Bank for their failure to resolve a recurring issue with my rent payment, which has been flagged for fraud and declined multiple times. Despite my attempts to communicate with the bank and their promise to investigate and respond within 24 hours, I have not received any response, and my rent payment continues to be declined. 

The details of my issue with Ally Bank are as follows : My recurring rent payment has been flagged for fraud and declined several times, causing inconvenience and jeopardizing my relationship with my landlord. 

I have contacted Ally Bank 's customer service multiple times, providing all necessary information and seeking resolution. However, the issue remains unresolved, and the bank has not been forthcoming with updates or solutions. 

Ally Bank promised to investigate the issue and respond within 24 hours. However, they have failed to do so, and my rent payment has been declined again. 

This situation has caused me significant stress, inconvenience, and potential financial loss. As a customer, I expect Ally Bank to provide efficient and reliable banking services, as well as clear and prompt communication. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Ally Bank to ensure that my rent payment issue is resolved without further delay. I also request that the CFPB hold Ally Bank accountable for their lack of communication and failure to address this matter in a timely and efficient manner. 

Thank you for your attention to this matter, and I trust that the CFPB will take the necessary steps to help me resolve this issue with Ally Bank. 

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

XXXX, experience, equifax have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with Barclays Bank. I was in XXXX XXXX  in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  FIN XXXX, XXXX XXXX, XXXX  RM XXXX, XXXX XXXX, XXXX  XXXX INQUIRIES XXXX  DC - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX, XXXX CO - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I took out a XXXX title loan on my car XX/XX/2018 with a 60 day no pay. They sent me an email on XX/XX/2018 stating that my payment was Due XX/XX/XXXX, I called them immediately to discuss why there was a payment due they then said Oh our mistake you are on a 60 day no pay your payment isnt until Due XX/XX/XXXX, then 3 days later I receive a text message saying my payment is past due the 2 seconds later I receive another text message saying please disregard you have a 60 day no pay. Then Today XX/XX/2018 my step daughter receives a call from them saying I am behind on my title loan and I need to pay them. I called them again to verify and was told I have to pay the payment now and I am behind, I explain I was told I had a 60 day no pay they then said let me call you back I need to talk to a manager, then 2 hours later I call back and I was told I have a 60 day no pay my payment is due XX/XX/XXXX.. then 3 hours later I get another call from the supervisor stating my payment is was due XX/XX/XXXX I explained I no longer had the money to make the payment as I was told that i had a 60 no pay if I have to pay now can I pay when I get paid in a week and she said I was told wrong information and I have to pay now or It will be a felony and they are going to call the police and take my car ... I made calls to them and I have returned everyone there calls each and every time and they are continuously calling my employer and all my references and giving them information on this loan which I never agreed to have them give my personal information and since I have been in touch and reachable why are they allowed to call every reference and my employer giving them details on my loan? The company is Maximum Title Loan LLC in XXXX AZ
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 following 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX have been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXXXXXX XXXX XXXX and XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any misleading or inaccurate medical data on my consumer profile. This is a HIPPA violation and they are all civically liabile pursuant to 15 U.S.C 1692k.
Product: Student loan

I have already received confirmation that my loans were forgiven and would be removed but instead they changed companies and started collecting interest from me
Product: Checking or savings account

My account was closed without reason after a {>= $1,000,000} transfer payment. This institution is committing Fraudulenty and criminal activity. My name is XXXX XXXX XXXX My social security number is XXXX My date of birth is XX/XX/year> My card number is XXXX
Product: Debt collection

national credit system inc XX/XX/2019 acount the XXXX XXXX XXXX amount {$120.00}
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and this account looks weird to me. The last date of activity, the last date of payment, the account number, the balance etc. Everything on my credit repot looks to be incorrect. Can you please delete these items from my credit report because they are not accurate, and it is not complete. 

I sent you letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have attached that letter that I sent you last that clearly tells you that the information you are reporting is not accurate and its also not complete. It is incorrect, please delete this Immediately. I want you to reinvestigate this because the way its looking on my credit report, it does not look accurate or complete yet. 

I have included my tracking number for this entity as proof of deliver Please look into the following attributes and you will see that they are incorrect. I have also highlighted them on the pages included from the last letter I sent. 
First Date of Activity Last Date of Activity Last Date of Payment Account Number Balance Current Status
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft the information detailed in my credit report does not relate to any transaction that I have personally made. I believe my information was compromised in 2011 during the XXXX XXXX XXXX data breach. Since I was notified of the compromise I have received several spam phone calls where the person already has my personal information regarding an account that I do not have. In the beginning of this year I review my credit and noticed several fraudulent accounts there as well.
Product: Checking or savings account

I wrote a check to my lawn services company and the check was fraudulently cashed ( per my lawn service provider ). I'm now trying to get the money from my bank for the check ( my bank is Chase bank ), and they have reported that they are trying to get the money from XXXX XXXX XXXX  ( where the fraudulently cashed check was cashed ). I have been waiting more than 90 days, and was originally told that I would have a response within 90 days from Chase bank. Now chase bank is telling me that they will not know about reimbursement until XXXX XXXX XXXX  responds to them, but that there is no guarantee for when I will be reimbursed. I know that I'm legally owed the money back from XXXX XXXX XXXX, but it's unclear to me how I can legally hold them to this and have my money returned.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct the late open account listed on my credit report. Despite multiple attempts, this inaccuracy persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. 

With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to CFPB case # XXXX For the third time - the inquiry on my XXXX credit report ( see attached ) does not belong to me : " WF CRD SVC on XX/XX/XXXX '' ... I have never applied for a Wells Fargo account. I have sent you a certified letter that was received back on XX/XX/XXXX that was never responded to. XXXX  says I must talk to you to correct the problem. 

As you can see in the attached letter sent from XXXX XXXX in response to the prior CFPB case - you have my name as XXXX XXXX ( see attached ). This is not me! XXXX has also sent me fraud alert that somebody has attempted to use a variation of my name. ( see attached ). 

Please remove this inquiry at once.