23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for any debt as it relates to XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX validate the debt in which the claim I owe several times. XXXX XXXX XXXX only produces alleged billing statements. Billing statements are NOT validation of debt. If XXXX XXXX XXXX can not produce a written contract where I agreed to do business with them why have they been allowed to place a negative trade onto my credit report? By continuing to report inaccurate and unverifiable derogatory accounts XXXX XXXX XXXX is in violation of FRCA regulations with fines starting at {$1000.00}. I am a litigious individual and I am hoping that Midland can remove both unverifiable trades from my credit reports without having to go to court. XXXX XXXX XXXX has had ample opportunity to provide a substantial debt validation. This is my last time requesting a proper debt validation. If one can not be produced XXXX XXXX XXXX must remove both derogatory accounts from my credit reports at once. It is not sufice to produce alleged billing statements. XXXX XXXX XXXX needs to show proof, a signed contract with my signature, or remove both accounts from my credit. XXXX XXXX XXXX has been sued several times for trying to collect debt past the statue of limitations and without having complete and full validation of debt. It is NOT SUFFICE to simply respond and say that Midland will mark the accounts as consumer disputes. XXXX XXXX XXXX does NOT have permission to contact me by email, phone, or us postal. All communication must be done through this CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with the credit bureaus ( reached out XXXX times total ) and with Toyota Financial directly ( reached out XXXX times total ). 
I have written, called, and emailed. 

For over XXXX years, an auto loan has been incorrectly reporting. The account was opened in XXXX and was closed in XXXX of XXXX. 

They have reported incorrect dates, incorrect dollar amounts and incorrect dates. Please feel free to reference just how often the information they report ( to all credit bureaus ) has vastly changed. 
When I pointed out the account was too old to be on my account, they CHANGED the date of last payment so that they could continue reporting and continue trying to get their money. 
I dont know what to do anymore. I have done everything right - I have completely fixed my credit. 
When I finally got them removed from my credit reports ( Toyota Financial ) they REAPPEARED as a new entity ( Toyota Motor ). 
What they are doing is wrong and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my report.
Product: Credit reporting

Equifax is reporting on my credit report that I have foreclosure which I never
Product: Checking or savings account

When I discovered that my debit card ending in XXXX was being used for unauthorized purchases, I called Citibank to have the card cancelled. When I requested a new card on XXXX, I was told that the card would arrive within 1-2 business days. when I realized that I would not be home due to the unsafe situations happening there I canceled that card on XXXX.they again told me 1-2 business days and I specifically in front of a witness told them to send it to a different address in XXXX instead of having it go to my old address in the XXXX. Unbeknownst to me the new card ending in XXXX arrived at the address in the XXXX and was used to charge over XXXX dollars unauthorized while I was in the XXXX XXXX area of XXXX state. I did not find this out until I went to a physical branch in XXXX on XXXX.they provided me a printout and I disputed the charges that same day. I told them where to send the replacement card again and updated the mailing address at the branch. they told me this time it would be 7-10 business days not 1-2 like before. My phone had to be changed also because of the unsafe situations mentioned above. when i try to login now I cant because the phone number doesn't match and they are refusing to change the number that's in my account so I can access my money and send it elsewhere before it risks getting stolen again. The temporary card they gave me does not have a cvv number which renders it useless for certain services such as transferring money. I am now homeless and i do not have access to money that I received from XXXX benefits because this company will not let me access my money and there are no branches of Citibank whatsoever in my area.
Product: Debt collection

I have a debt that has now been listed on my credit as unpaid but I never received any correspondence about this debt. I have always had medical insurance to cover any medical expenses. My insurance shouldve covered any medical expenses. If I wouldve received communication about this, it couldve been rectified prior to it being reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX  repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the RISA and MVISA, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX  has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Product: Credit reporting or other personal consumer reports

I would like for CFPB to investigate all three of my credit reports, XXXX, XXXX, & XXXX. The account numbers starts with this number XXXX. The balances are for {$2300.00}, {$4100.00}, & {$2500.00}. XXXX XXXX closed the account as a charge off, written off amounts and past due amount, {$2300.00}, & XXXX, & & XXXX, but are still reporting my payment history as of this XX/XX/XXXX as late payments. Also, these accounts has been sold to another company and a lawsuit has been filed with a fradualent affidavit wih the courts. Then, I would like for Equifax and XXXX to update my repeort for XX/XX/XXXX, so that I can retrieve the correct score reporting. I am not able to obtain my score. I will also, be filing with FTC.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing, I have disputed these negative accounts several times but Equifax has refused to delete them please help me delete these illegal accounts from my credit reports. 

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

I have sent plenty of letters to XXXX, TransUnion, & XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report. 
Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft.
Product: Credit reporting or other personal consumer reports

In your response to my previous complaint filed through the CFPB, you acknowledged the existence of internal fraud procedures. However, despite these procedures, your agency granted permission for the inquiries in question without obtaining my consent. This represents a clear violation of my consumer rights and raises concerns about the overall integrity of the credit reporting process. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report from XXXX XXXX XXXX XXXX. Experian refused to do a proper investigation of the debt during a dispute, and only allowed me the length of a tweet to provide any information. I have multiple CFPB complaints against XXXX XXXX XXXX XXXX and am pursuing legal action against them. This company first contacted me and did not claim to be a debt collector they later contacted me and did not properly verify the debt. Since then they claimed they were hired by themselves to collect this debt, even though they say theyre collecting on behalf of XXXX  XXXX XXXX XXXX I never owed any debt to XXXX  XXXX XXXX llc. In fact in there verification documents they literally state I owe it to XXXX XXXX XXXX. Now on top of that this supposed original debt came from a scam that was being run. The original contract they provided is legit but the company broke it and backed out. The balance sheet is completely made up and full of wrong information. If you would take 2 minutes to look you would see it says Im their tenant, which Im not and never was. And this was a move out sheet but my move out date on the sheet is listed in 2024. XXXX XXXX XXXX XXXX is not a real debt collector they are scammers who got hold of some information with some other scammers and are making up a fake debt. Not to mention the amount reported isnt even right theyre illegally reporting interest and fees. And once again the original creditor they have listed I never even had an agreement with, they arent part of this at all. And theyre claiming to be hired to collect for themselves but have said that nowhere else.
Product: Debt collection

Radius Global Solutions is attempting to collect a medical debt of {$35.00} from my minor son for blood tests that he received at XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX and he is covered by that insurance. Further, all co-pays were collected by their XXXX  XXXX XXXX XXXX at the time of the appointment. Thus, there was no possibility for any additional charges. 

XXXX has previously been warned of the fraudulent nature of this bill yet they continue to harass my minor child.
Product: Debt collection

I have a plan to pay the minimum balance due on a 24 month no interest Best Buy credit card. They continue to call me 3-4 times a day every day for the past 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST CHANCE TO SETTLE OUT OF COURT ONEMAIN FIANACIAL AND XXXX, ON XX/XX/XXXX XXXX  SUPRESSED OUR CREDIT FILES BECAUSE WE KEPT CHANGELEDGING THEM THAT THEY KEPT ALLOWING PROMO INQURIES AFTER OPTED OUT IN XX/XX/XXXX. AS A RESULT XXXX XXXX XXXX XXXX, FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX CASE NO. XXXX, CLOSED ON XX/XX/XXXX, THE TRUSTEE LEFT OUR 3RD PARTY CLAIMS FOR YOU AND XXXX   ON THE TABLE TO FILE SUIT.SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. 

Tracking Numbers XXXX, XXXX, XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XX/XX/XXXX, WHEN THE ACCOUNT WAS FIRST OPENED.

THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/XXXX. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries, as I lack any relevant information, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

There are companies I do not recognize running daily Inquiries EVERYDAY for more than 2 years whom I have not solicited nor given permission to do so, there are several misspellings of my Name, several inaccurate addresses, there is also the issue of the companies XXXX, XXXX, and Trans union furnishing information in my credit report to the public without my written permission.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX is accusing me of owing XXXX XXXX  {$710.00}, {$720.00}, then {$720.00} dollars. I have asked them to please stop calling me. They have been calling everyday 2 and 3 times a day. First when they started calling me back in XX/XX/2019, they said I owed this money and that I better pay it. At that time, I told them I do not owe any money and that XXXX  XXXX  is fraudulently making up these charges, in retaliation to me, since I moved out. I asked them at that time to please stop calling me. During the time they were calling, I was going through a death of my uncle, and him  XXXX of XXXX. XXXX XXXX still hasn't stop as of to date, and they are calling me 2 and 3 times a day ... not even saying anything. The phone stays quite for a minute and then they hang up on me. So basically they are calling and hanging up. I would like this to please stop as it is affecting my health, which is already not in a good place right now. Please ask them to stop calling me as this is now harassment.
Product: Credit card or prepaid card

I returned merchandise to a merchant in the amount of {$58.00}. The merchant processed the refund to be sent to my American Express Bluebird card, however, Bluebird removed the refund from my available balance by debiting my card for {$58.00} and it's description reads that the transaction is being held for merchant review. Everytime I have a return transaction, Bluebird chooses to prevent my access to the returned funds. It happens all the time. Bluebird always blames the merchant for the hold rather than taking responsibility for their own actions on my account. Other financial instruments from other companies I've used have never taken away and held my refund using the same exact merchants. This us an ongoing problem. They are currently holding funds from me that they have received from a merchant for no valid reason and I demand access to my funds.
Product: Debt collection

On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.
Product: Debt collection

Received a settlement offer on a credit card account and sent payment XX/XX/2021. The money order was not accepted so it was to my understanding that the debt was not owed anymore. Portfolio Recovery checked my credit profile and said that they were now the owners of the debt after XX/XX/2021 after the payment was already made to XXXX XXXX ( the original debt buyer ) portfolio damaged my credit worthiness in relatiation to me stating that they didn't report on my credit profile prior to our conversation. This has done extreme damage to my ability to seek employment and other forms of credit. I would never imagine a business would be vindictive in a time where everyone is suffering due to the current situation we find ourselves in with covid 19 and a weak economy they see as a time to capitalize on misfortune.