23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  GA, XXXX ( XXXX ) XXXX XXXX XX/XX/year> National Credit Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) Account Number : XXXX To Whom It May Concern : I am writing to formally request validation of the debt you claim I owe, as is my right under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please be advised that I dispute the validity of this debt and demand that you provide the following information to substantiate your claim : XXXX. The amount of the debt : A complete breakdown of the debt, including the principal balance, interest, fees, and any other charges associated with the account. 

XXXX. The name of the original creditor : Full details of the original creditor to whom the debt is owed, as well as any documentation or records showing that I am indeed the responsible party for the debt. 

XXXX. Evidence of assignment or transfer of the debt : If the debt has been sold or transferred to your agency, please provide a copy of the written agreement or contract that verifies this transfer and establishes your authority to collect this debt. 

XXXX. Proof of your authorization to collect on this debt : Documentation that shows you have the legal standing to collect the debt on behalf of the original creditor or any subsequent holders of the debt. 

XXXX. An itemized statement of the debt : A detailed account of the charges and payments, including the date the debt was incurred and a record of any previous payments made or credits issued. 

XXXX. Validation of the debt under the Fair Credit Reporting Act ( FCRA ) : A copy of any judgments or legal documents that have been filed against me in connection with this debt. This is necessary for me to verify if the debt is accurate and if any actions have been taken to report it to the credit bureaus. 

Please be advised that under the FDCPA, you are required to cease all collection activities until the debt is properly validated. Failure to provide the requested information within XXXX  days of receipt of this letter will result in your inability to continue reporting this alleged debt to the credit reporting agencies. Further, if you are unable to validate the debt, I demand that you remove this entry from my credit report, as it would be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Additionally, I remind you that under Section 807 of the FDCPA, 15 U.S.C. 1692e, it is unlawful for a debt collector to make false or misleading representations in connection with the collection of a debt. Should you fail to comply with this request or continue to report inaccurate information to the credit bureaus, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please send your response to the address provided above. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year> I entered detailed information regarding a vehicle that I intended to trade in. In the details submitted I noted that the car is in need of repair. Before wiring down payment funds I spoke with three Carvana representatives ( XXXX is the only name that I recall ) to ensure that the trade in would be acceptable. The representatives gave conflicting answers in regards to whether Carvana will accept the vehicle. Ultimately, they settled on " As long as you were 100 % honest regarding the cars condition, we will honor the appraised trade in value and accept the vehicle. However, Its ultimately the Field reps/delivery driver discretion on whether it will be accepted. '' With the response I wired the funds. The delivery driver did not accept the trade in ( based on the repairs I stated were needed in the Carvana appraisal ). So I never received delivery of the vehicle from Carvana. The purchase was restructured and I planned to move forward. Arranging to send the additional {$1600.00} to the already transferred amount of {$1400.00} for a total of {$3000.00}. The representative assisted with scheduling delivery the next morning. When I called the next morning I was informed by Carvana that the deliver could not be made and that an additional {$200.00} was needed to complete the transaction. When I inquired from XXXX XXXX ( he would not provide his full name ) why additional money is needed he mentioned its because my income was not calculated properly by his underwriting department. But yet Carvana had completed the transaction based on the same income just a day ago. I requested that XXXX XXXX cancel the transaction and refund ALL monies. He stated that he did and sent a confirmation email stating that it would take approximately 3-5 business days to post back to my account. I contacted Carvana XX/XX/XXXX and XXXX XXXX Carvana Presale Advocate stated that he does not see any request for a refund from XXXX XXXX although he had a few notes regarding the request to cancel- Which I found out that XXXX XXXX in fact did NOT honor my request to cancel the transaction and the refund was NOT pending. XXXX submitted a request and sent a similar email stating the request would be made. Now, I'm waiting an additional 3-5 days to receive the reimbursement of the {$1400.00}. This has created financial hardship due to the fact that Carvana did not honor the original transaction which included a trade in that the Carvana algorithm and advocates stated they would honor. Carvana model appears to prey on those that have credit challenges and restructuring loans at the final stages and/or not honoring an original contract where the consumer has provided and satisfies all of Carvanas request, only to have the transaction completely changed ( increased downpayment and interest/APR ) even after the purchase agreement has already been signed.
Product: Credit reporting or other personal consumer reports

I noticed a large amount of fraudulent hard inquiries on my credit report today XX/XX/year> and this keeps happening ; I need a solution as soon as possible because this is affecting my reputation tremendously.
Product: Credit reporting 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. 
XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Amount : {$780.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Amount : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Amount : {$910.00} 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, credit repair services, or other personal consumer reports

CRA is in direct violation of Metro 2 compliance, FCRA sec 609, Michigan Consumer laws..
Product: Mortgage

Was pre-approved by Quicken Loan 's Rocket Mortgage. After 90 days, loan did not close. Not explanation or reason on denial of loan application and original loan pre-approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting 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 XXXX Account Number : XXXX and 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

I am extremely frustrated to see unauthorized inquiries on my credit report this afternoon, and I have no idea why. When I checked my report as usual, these discrepancies appeared unexpectedly. I even refreshed my browser, hoping it was a technical glitch, but the issue persisted. I urgently request that the documents Ive submitted be reviewed carefully so I can stop worrying about this matter.
Product: Credit card

Last month I noticed a charge of XXXX cents charge on my Synchrony Rooms to Go card. Today, I received my statement and again, there is another XXXX cent charged. They called it the PAPER STATEMENT FEE. I am requesting that every XXXX taken/stolen from my account be replaced. Why do these multi XXXX dollar companies remain a parasite to consumers?
Product: Debt collection

On XXXX XXXX XXXX, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. On my XXXX report it shows that you charged off the account. Which means the alleged debt is settled and you filed a XXXX. I need my copy for tax purposes since that is considered income. If not, I will file an IRS XXXX form for tax fraud you are committing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXX Status : Open Date Opened : XX/XX/year>2018 XXXXXX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/year>2018 2018
Product: Credit reporting or other personal consumer reports

Experian credit bureau refused to removed two closed accounts from my credit report
Product: Debt collection

on XX/XX/2020, I revceived a notification on all three credit bureaus that Credit Collections Services, XXXX XXXX XXXX, XXXX, MA XXXX Reported a debt allegedly owed by me to XXXX XXXX XXXX : acct # XXXX XXXX XXXX Amount {$360.00}. This was the first time I was informed of this attempt to collect this debt, So I immediately sent a certified letter to Credit Collections Services, requesting full verification of this debt. The letter was received by one of their agents on XX/XX/2020 at XXXX am. On XX/XX/2020, I received a bill from Credit Collection Services for the {$360.00}, but no type of verification Pursuant to 15 U.S.C 1692g of the fair debt collections practices act, I am legally entitled to request that the supplier of this unverified information supply me with all the information, including the information on the original creditor, all accounting that led up to this figure that they are reporting and a signed contract giving them the legal right to collect on this debt, furthermore, I want to see their bonding information and licenses stating that they have the legal right to collect in the state of Florida. 

Credit Collection services has failed to respond to my request, continues to report this information to the credti bureaus and has even updated the dates without responding to my request, which is a blatant violation under section 15 U.S.C 1692g of the fair debt collections practices act.

Enclosed is a copy of the USPS tracking that clearly shows that they received my request and blatantly ignored it. 

I spoke to a customer service rep from the company on XX/XX/2020 by the name of XXXX XXXX, and he informed me that they have my address listed as XXXX XXXX florida as opposed to where I live in sunrise fl, but that should not make a difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported an at fault accident to Lexis Nexis. And that made my car insurance go up, and now I have 4 points on my mvr. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call Lexis Nexis they are telling me that they cant do anything about it because XXXX  reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX  XXXX
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 XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX 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 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2017, we signed a home equity loan with PNC Bank. In retrospect, we determined ( and we can prove it ) that due to our XXXX, XXXX, and social backgrounds, plus our dire financial situation at the time, PNC Banks agent manipulated us to hastily sign an adjustable rate loan when we clearly taught we were engaging for a fixed rate one. 
For the past 10 months, PNC has been giving us the run around, in an obvious refusal to recognize the patent fraud. 
The bank has many other predatory practices which we have been victims of and we have documented them.
Product: Debt collection

I paid off {$1300.00} of a collections balance to remove a family member as a cosigner from my account with the company. I received a receipt stating the cosigner was removed and I would be responsible for the remaining balance. I still owe a balance but my cosigner is still being called about the loan. My cosigner has begged them to stop calling her and has told the company I have not lived at that number for years. I told them the same when I spoke with them and begged them to stop calling my cosigner because she is elderly and sick. She is extremely stressed and is being harassed at this point. They continue to call and my cosigner stated the company told her they will not stop calling her because I still owe a balance. I was assured after the {$1300.00} payment was made to release her as a cosigner that no more calls would be made to her. I simply want the company to stop calling my cosigners home and to stop harassing her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion updated my credit report with inaccurate or incorrect information. I requested an investigation on an account with XXXX XXXX XXXX. The report came back as verified. When actually XXXX XXXX XXXX has not provided proof of original contract signed by me to keep collecting on account that is not mine. Also, they are reporting inacurate information on three accounts with XXXX XXXX  XXXX XXXX XXXX that shows incorrect balances and last payment dates.
Product: Vehicle loan or lease

Multiple complaints filed here, not sure why I even bother. Company basically just says sorry and lies about how theyre fixing it. Usaa is continuing to ruin my credit even though theyve taken unauthorized funds from my account and refuse to fully address the issue. This is criminal and it needs to be addressed and they need to fix the unfair credit reporting.
Product: Bank account or service

I had an account with Citizens Bank. I contacted the bank about suspected fraud in 2012 and until this day I am still unable to open another account. When I call to speak with someone on the matter I get XXXX response so I do not know what steps should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX XXXX account has no data for XXXX or XXXX, due to inaccruate reporting. I have tried ovr and over to fix the same issue with Experian. Reporting needs to be accurate across all bureaus, especially if companies are reporting the SAME information. 

XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX  Code : Individual Account Status : Open Monthly Payment : {$470.00} Date Opened :XX/XX/XXXX Balance : {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$28000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXComments : **CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Date Last Active :XX/XX/XXXX Date of Last Payment :XX/XX/XXXX