23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send a dispute letter to Experian. I received a email from Experian on XX/XX/2023 saying they don't believe that I sent my dispute Letter and also said that i can dispute these items online with them. Where in the FCRA does it say that I have to dispute online?
Product: Debt collection

Around XXXX of 2022 a debt was accrued in my name due to identity theft from this company. I have tried several times to get this taken care of and figure out what happened, yet all I receive is is the message that someone will reach out to me and that the debt has been verified. I sent a dispute letter a month ago for this company to provide me proof of validation of this debt and I still havent received anything and these accounts still havent been removed. Not only are these accounts not mine they are also reporting inaccurate on my report.
Product: Credit reporting or other personal consumer reports

I created this new CFPB account since I lost my access to the other one. I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

On XX/XX/23 I requested this information from to verify the debt and they kept sending me the same documents and never what I requested. They sent majority of the documents except the signed contract or application that shows my signature or the proof they own the debt.
Product: Debt collection

BC Services XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX has inconsistent communications of monthly statements of remaining amount owed. Their payment portal is not consistently accessible the website provided XXXX has an error message that the website doesn't exist and the other website XXXX XXXX XXXX has XXXX name that is associated with the account numbers. When I started making monthly payments the husband that I'm separated from that has no obligations to the accounts name was on the accounts. I've sent monthly payments for a few years. Several of the debt " accounts '' have gotten paid off. I'm making the effort to pay the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.
Product: Mortgage

I applied for a refinance loan from NewRez ( who services my existing mortgage ). I was conditionally approved from underwriting XX/XX/2020. Since then the process stopped. I have had 2 loan processors, neither of which has EVER returned a phone call or voicemail. My loan officer was helpful in the beginning, but recently quit responding as well. I have called and emailed the loan officers supervisor, and have not received a response. 

I received the following XX/XX/XXXX : XXXX, XXXX Tue, XXXX XXXX, XXXX XXXX Good Morning Mr. XXXX, Congratulations!!! Your loan has been conditionally approved by our underwriters!!! 

She went on to say they hoped to close the week of XX/XX/XXXX. 

I am still waiting.
Product: Student loan

I enrolled at XXXX XXXX XXXX in XXXX I was told that they had 90 % placement after graduating and this was a recognized university. After graduation I planned on enrolling in military as an officer and found out that they are not recognized and my Bachelors degree was not from an accredited University. The hours and classes at this college can be anytime 24 hours and schedules change every month so it was impossible to get a job so they suggested that you take living expenses from the private loans. At the time I was only XXXX and my mother who co-signed was not a college graduate herself and we feel like we were misled into paying for a non accredited college. This has completely ruined my life. I will be in debt until I die. The original loan amount was $ XXXX I owe $ XXXX and I have been making my payments on time for 15 years. My loan originator was Sallie Mae now Naviant. XXXX XXXXXXXX owners recently celebrated their XXXX earnings. This college is a fraud and scams thousands of young adults every year also trapping their cosigners. I hope there are lawsuit against them just like I am seeing lawsuits against XXXX XXXX. Thank you for your efforts and I hope this can be brought to light.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/CXXXXUnder Dispute XXXX Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX Dispute XXXX   XXXX XXXXUnder Dispute XXXX/XXXX XXXX   XXXXUnder Dispute XXXX/XXXX XXXX XXXX Dispute XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXX by law the bureau can not take more than 30 days FTC law
Product: Debt collection

Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries on my credit report under the provisions of 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer 's credit report. Upon reviewing my credit report, I have identified the following inquiry that I did not authorize : 1. XXXX XX/XX/year> ( Equifax ) This inquiries were made without my knowledge or consent, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, credit inquiries should only be made with my explicit authorization or for legitimate business needs as defined by law.
Product: Debt collection

I thought this matter was resolved years ago when I established my identity was stolen and fraud alerts were placed on all credit reports. I did not purchase anything using XXXX XXXX XXXX XXXX and have demanded validation from all previous Collection Agents yet none were ever able to validate the debt was mine. 
More than that the Statute of Limitations expired on this invalid debt and I assumed the matter was closed. 
Now a junk debt buyer has bought it and hopes to collect on it.
Product: Checking or savings account

I initiated a payment of {$320.00} dollars to pay off my XXXX loan. XXXX said my payment would process on XX/XX/year>. I initiated that payment on the XX/XX/year>. However, the funds were withdrawn immediately. I checked on XXXX to see if my load had been paid off. It was not. I called them to see if they received the payment because the funds were withdrawn. They did not receive the payment, so they advised me to call my bank. Im banking with Current ( XXXX  XXXX XXXX ). They told me the transaction didnt go through due to insufficient funds. Yet, the funds are gone. So now Im out of {$320.00} and a chance to loan myself money from my XXXX account. I sat on the phone with customer service for over an hour with no resolution. Theyre telling me I never had the funds to begin with and I literally had just gotten paid over {$2000.00} dollars on payday. So where is my money? No idea. Whats crazy is on XX/XX/year> theres a transaction that says + {$320.00} meaning it should be returned but its still not there. On the phone the representative said she didnt even see that on her side, yet I can see it on mines. I dont know what to do. I wan na sue but I dont even have the money to do so. This is all I can do. If somebody can help me PLEASE contact me. I have XXXX daughters that I take care of. They need this. Not me.
Product: Payday loan, title loan, or personal loan

This company good leap offered me that I would get a XXXX dollar rebate if I got the solar system. Also, they told me I was going to pay less money on my electric bill, and I'm spending the same money every month. What I have now is XXXX on my credit for no reason. Everything they sold me was a big joke. This happens around XX/XX/2021. 
Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX
Product: Debt collection

Northstar calls me every day from this number - XXXX XXXX XXXX - trying to collect debts from someone who I do not know/does n't live at my address. I have no debts of any kind. I have tried to tell them not to call b/c they have the wrong number, but they hung up on me. This have been happening every day since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a collection charge of {$2300.00} that appears on my Experian credit report. I have made numerous attempts to resolve this matter directly with Experian and the collection agency involved, but despite my efforts, the issue remains unresolved. I am seeking your assistance in removing this unauthorized collection charge from my credit report. 

The collection charge relates to an apartment building I vacated in XX/XX/XXXX. I was charged {$2300.00} despite having left the unit due to serious and ongoing issues with a ceiling leak and mold throughout the apartment. This situation severely affected my XXXX XXXX, and after multiple work orders were submitted to the management for repairs, nothing was done to address the issue. Due to the unsafe living conditions and the lack of response to my repeated requests for help, I was forced to leave the unit. 

I have communicated these circumstances to Experian on several occasions, including a dispute I filed in XX/XX/XXXX, explaining that the charge was not only unreasonable but also related to conditions that were beyond my control. Even the collection agency involved was willing to work with me to resolve the issue, acknowledging the unfairness of the charge given the circumstances. However, despite these efforts and the collection agency 's willingness to address the matter, Experian has not responded to my complaints or conducted a thorough investigation into the issue. 

It is deeply frustrating to have this collection remain on my credit report, as it is clearly a result of circumstances that were not my fault and should not reflect negatively on my credit. I am requesting that the Consumer Financial Protection Bureau intervene and assist in the removal of this erroneous charge from my credit report. 

I have made every attempt to resolve this issue through the appropriate channels, and the lack of response and action from Experian has left me with no other option but to escalate the matter. I respectfully request that this charge be removed from my credit report immediately. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts do not belong to me and are not accurate. XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

I sent a letter asking them to reinvestigate these accounts : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 

They have not responded to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXXXXXX XXXX XXXX XXXX XXXXalance : {$2100.00} ; XXXX XX/XX/XXXX ; CXXXX XXXX XXXX XXXX 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: Checking or savings account

Yes, my account was restricted because someone I know deposited a little over XXXX they have held my direct deposit now for more than XXXX hours.
Product: Debt collection

This complaint is against the debt collector company Wakefield and  Associates , Inc., which is a debt collector company, and against XXXX XXXX XXXX XXXX, a company that represents emergency room doctors. Wakefield and Associates has purchased medical debt from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I went to the emergency department at XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, NJ, XXXX. The bill from XX/XX/XXXX is {$480.00}. The bill from XX/XX/XXXX is {$780.00}. The bill from XX/XX/XXXX is {$1100.00}. A total amount of {$2400.00}. Wakefield and Associates , Inc. has stated that each bill is fully my responsibility. 

On each date of service, I presented my insurance card to the hospitals registration specialist. The primary insurance that I had ( for each of the dates of service ) was XXXX XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have spoken with a XXXX XXXX XXXX representative and he/she has stated that they received a claim from the hospital, however they never received a claim/bill from XXXX XXXX XXXX XXXXXXXX. 

If XXXX XXXX had submitted the claim to my insurance in a timely manner on the dates of service, the cost could have been negotiated lower and my insurance may have paid for some of the cost. As a result of their negligence to file a claim, I am being charged the full non-negotiated prince. Another result of their negligence is that this debt has negatively impacted my credit report and my credit has decreased due to this debt. 

Since it has been more than 180 days since the dates of service, Wakefield and Associates ( debt collector company ) and XXXX XXXX XXXX XXXX ( company that represents doctors ) can not file a claim with XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX should have filed a claim in a timely manner on the dates of service because I presented my insurance information on the dates of service. I should not be responsible for this debt because XXXX XXXXXXXX XXXX  XXXX failed to file a medical claim to my insurance carrier. 

In addition, I called Wakefield and Associates during the month of XX/XX/XXXX. One of their representatives pressured me into creating a payment plan. He/she stated that I currently did not have a warrant out for my arrest, and to prevent a warrant I would have to pay back the debt. I was very frightened ; therefore, I created a monthly payment plan of {$45.00}. On XX/XX/XXXX, {$45.00} was taken out of my XXXX XXXX XXXX debit account. 

During the month of XX/XX/XXXX, I realized that debt collector companies can not threaten a warrant for your arrest due to outstanding debt. I promptly called Wakefield and Associates and I canceled the payment plan. I explained to a representative from Wakefield that I was canceling the payment plan because felt threatened and pressured.
Product: Consumer Loan

I purchased golf shoes on ebay for {$100.00}, and used PayPal to pay the seller for the item. PayPal placed my charge on their PayPal Credit without my authorization. I wanted to pay for the item immediately through PayPal with a bank account. When I discovered the error, I tried to reimburse PayPal via instant transfer. PayPal would not let me. I had NO option to pay on the unauthorized credit charge. The site told me there was no payment due, despite the fact that it showed the transaction and the debt. It is now 4 days since the transaction and I was finally able to pay off the charge. Today, with no debt due PayPal, I am trying to close my PayPal account. I can not. I manage to locate the CLOSE MY ACCOUNT link ( a task in and of itself ), yet when I click on it, I get a spinning wheel on a white page that says One Moment ... Eventually, I am returned to a Settings page without PayPal taking any action. I am unable to close my account. The company 's process is untenable and unethical.
Product: Credit reporting or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences which would equate to the reporting of income. Remove these accounts Closed accounXXXX XXXX XXXX XXXX XXXXXXXX Closed account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed account XXXX XXXX XXXXXXXX Closed account XXXXXXXX XXXX XXXX XXXX XXXX