23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cypress Collections Professional Collection Agency XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Reference # XXXX Client # XXXX Thank you for your inquiry. I do in fact dispute the claim of {$120.00} plus the additional interest that was erroneously billed to me and certainly, your threats to damage my credit worthiness. 

I am a Veteran under the care of the Veterans Administration at XXXX XXXX. I have communicated with Doctors on Duty and have told them that their claim needs to be filed with the Veterans Administration. I also told Doctors on Duty that I would talk to the VA regarding the erroneous billing for my approved office visit. I talked to my primary care doctor at the VA and was told that there is a record of an authorized request for medical service on XX/XX/XXXX. Initially I told this to Doctors on Duty bookeeper. I clearly told the Doctors on Duty staff that the VA sent me and that I needed to be evaluated for XXXX because of XXXX XXXX and that I was a veteran. The reason for this going to collection is clearly not my doing. It is in fact Doctors on Duty responsibility to bill the VA as per their contract ( a requirement that they did not do ) Embroiling me in their mishap with a threat of affecting my credit worthiness is disturbing at best. 

I have contacted the Community Provider division of VA and have filed an Adverse Credit Report - XXXX. Cypress Collection as well as Doctors on Duty have been notified to cease and desist their illegal claim. If in fact my credit worthiness is affected, I will sue for defamation of character and elder abuse of an ailing veteran. 

I am willing to pursue a course of action against both Doctors on Duty and Cypress if this persists any longer. I defended my country with dignity and courage and expect respect and thanks for my service, rather than being threatened and abused by Doctors on Duty and Cypress Collections. 

Thank You XXXX cc : FTC www.ftc.gov cc : Senator XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checked XXXX XXXX report on XX/XX/year> and notice a XXXX XXXX XXXX account on my credit report with a limit of {$700.00} and {$170.00} has already been spent. Looks like a hard inquiry was done on XX/XX/year> and a card was issued the middle of XX/XX/year>XXXX XXXX customer care service number is XXXX and correspondence address is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX shows information as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OR XXXX XXXX I have place a credit freeze on credit report through Transunion and they stated they would notify XXXX and XXXX. The XXXX account was not on the Transunion, but was seen on the XXXX account.
Product: Debt collection

XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent a collection account to XXXX, Equifax and XXXX. The loan was taken out in 2011 from XXXXXXXX XXXX XXXX and they state that the loan is still open. Once I found out that they had no license in Florida and that the loan was illegal I sent them a letter to stop taking payments from my account. They would not honor this request and I had to close my account. This loan is not legal or binding nor reportable to credit bureaus. I disputed this report with XXXX and they said it was verified. XXXX never contacted me about this loan. They just reported it.
Product: Debt collection

I am filing a formal complaint against Portfolio Recovery Associates , LLC for their continued efforts to pursue a debt that is not mine, despite my documented identity theft and prior reports to the Federal Trade Commission ( FTC ). This debt resulted from unauthorized use of my credit card, which was compromised and leaked on the dark web. 

I filed an identity theft report with the FTC to confirm that the charges in question were fraudulent. Despite this, Portfolio Recovery Associates , LLC proceeded to sue me for this debt, knowing it did not belong to me. The company has already taken me to court, where I presented the identity theft report as evidence. Rather than dropping the case, they have requested a continuance to pursue the matter further. 

Their actions are not only causing me significant stress and financial burden, but they also demonstrate a disregard for the legal protections afforded to identity theft victims. Given the circumstances, Portfolio Recovery Associates , LLC should immediately cease all collection efforts, dismiss the lawsuit, and clear my credit record of this fraudulent debt. 

I am seeking assistance from the CFPB to hold Portfolio Recovery Associates , LLC accountable for these improper collection practices and to ensure that they comply with regulations regarding identity theft and consumer protection. I also request that the CFPB take measures to prevent this company from engaging in similar behavior with other consumers in the future. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/2024 I XXXX submitted a dispute via certified mail to Transuion and XXXX and XXXX Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/2024 TRANSUION FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation.
Product: Mortgage

Shellpoint is acting negligent on a financial matter which is leading homeowner to foreclosure unnecessarily. At issue is an approved short sale whereby an extension was requested but denied because a previous extension had been granted however Shellpoint was negligent in not looking at that previous extension and realizing it was for only 7 days. Additionally every lender and servicer on earth understand that IRS tax liens take at a minimum of 30 days and up to 60 days to get resolved. Lenders and servicers as a course of business always allow for 2 extensions. Shellpoint was negligent in not reviewing the time on the 1st extension and grossly negligent in not even contacting 3rd party to discuss prior to denial of short sale extension request.
Product: Credit card or prepaid card

This is about the charge by XXXX XXXX XXXX 
On XX/XX/2022 Transaction ID : XXXX - {$500.00} XXXX USD The travel company did not reserve a room with my legal name and I was not able to use the service/reservation as described. I asked them to correct the name many times but the travel company didn't. I had to make another transaction and pay the similar amount to reserve a hotel room. XXXX from the hotel offered a verbal authorization on the refund. But I was never given a refund. 

Since the XXXX did not provide the service as described and I was not able to use the service by their mistake, I would like a refund.
Product: Debt collection

This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$75.00} was sent to XXXX XXXX from my account I dont know this person has no business with this person when I contacted Cashapp to address this and ask for a refund they quickly denied my request for Refund stating that I sent this same Person XXXX XXXX {$15.00} XX/XX/XXXXXXXX XXXX XXXX again this is some kind of scam that im a victim of because I don't know anyone NAME XXXX XXXX never had any business with this person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments on my account because I attempted to pay it online repeatedly while my auto payment was being set up so i wouldn't miss a payment but I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$14000.00} to XXXX XXXX XXXX XXXX XXXX based in XXXX, XXXX as the final payment for my wedding venue coming up in XXXX weeks through the Wise payment platform. In total, I paid {$15000.00} including service fees. I was told that the money should get to the recipient within XXXX days but after XXXX weeks that is yet to happen. I have been in contact with Wise customer support multiple times asking them to help with tracking this with no success. They mentioned that I have to follow up with the recipient and their bank which I did. The recipient and recipients bank confirmed that they have seen any money and they provided a screenshot of their online banking as proof. I really need help tracking this money or returning this money as my wedding is coming up soon and I need to make this payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have shown Equifax proof that XXXX  was unable to validate the XXXX balance, they continue to report this false damaging and inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of ED/XXXX XXXX AC # XXXX, XXXX, Amount {$3500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$3300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Debt of EDXXXX, AC # XXXX, XXXX  : XX/XX/XXXX, Amount {$5800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. US Dept of EDXXXX XXXX AC # XXXX, XXXX XXXX  XX/XX/XXXX, Amount {$6300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX XXXX XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing in regrads to late payments on my credit report.

According to the FCRA 15 U.S.C. code 1666b-Timimg of payments and 15 U.S.C.

1666B12 CFR,1026. 13- Billing error-late payments 15 U.S.C.1681 a ( 2 ) ( I ) INSTRUCTIONS PLEASE UPDATE TOO NEVER LATE. Please send updated report to address on file. 

I have attached all documents to support this claim
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

XXXX. Experian XXXX. XXXX XXXX. XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please include documentation of said permission. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, Experian reported a collections account from a company that I've never done business with. When I tried to use Experian 's online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.
Product: Vehicle loan or lease

On Friday, XX/XX/XXXX, called Toyota Financial Services to pay off my loan, purchased a used vehicle XX/XX/XXXX. I gave the dealership ( XXXX XXXX XXXX ) my current email address, multiple times on the Loan paperwork. Toyota Financial Services created my new loan under a previous email address ( car purchased in XXXX, payed off in XXXX ) which I no longer have access to, so Im unable to make a payment. On Friday I spoke to XXXX, he was unable to help because it is a customer service issue, then transferred to XXXX, who was unable to help and the issue has been transferred to their IT department, call back in 3 business days, in the meantime Im accruing interest everyday. Loan payoff on Friday was, {$27000.00}. I believe this is an unfair practice and is an internal issue. Please help me get this resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted EXperian previously about inaccurate and fraudulent information showing on my credit report. Experian is in deliberate violation of the Fair Credit Reporting Act. I have provided Experian with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.
Product: Debt collection

This company calls 6 times a day from different phone numbers all over the country. 

I have asked them to stop but they call non-stop. 

The people are extremely rude. 

It is PURE harassment, I have ask repeatedly not to be contacted by this company.
Product: Debt collection

On XX/XX/XXXX I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureaus. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XXXX {$1300.00} XXXX {$520.00} ... On XX/XX/XXXX Midland Credit Management tried to double-dip on a collection that doesn't belong to me and reported the amount to the 3 credit bureaus which resulted in a negative effect as I am currently going through the process of closing on a home.
Product: Credit reporting, credit repair services, 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  Account Number:XXXX Account name : XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or 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: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX Status : Dismissed Reference # XXXX XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX  XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

We are attempting to refinance a mortgage that was originally financed through Wells Fargo Bank in XX/XX/2001. For the refinance we asked Wells Fargo and XXXX  for quotes. XXXX XXXX offer was best so we decided to go with them for the refinance. During the process, the title company found an additional lien from Wells Fargo on the property. They and we both called Wells Fargo. Wells Fargo said there was no such lien. We continued to call throughout XXXX and XXXX to be told the same thing, but the county recorders office continue to show two liens from Wells Fargo dated the date of the original finance. Finally mid XXXX I sent a letter to Wells Fargo Lien Release Department reporting the issue and they said they would investigate the matter. I was told it would be resolved by the end of the month. 

XXXX came and the matter was not resolved. They sent an extension letter saying they needed more time to look into the matter. Two more extension letters have come since then. It's now XXXX and our refinance with XXXX is still on hold since XXXX, b/c Wells Fargo is holding things up. It is my belief that if they can not find any information about the lien in question, then they need to put that in writing and let the title company proceed. I believe Wells Fargo is just attempting to force us to stay with them by creating barriers to the refinance with XXXX.