23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute Complaint Regarding Collection Account - CKS Prime Investment Account Number XXXX Dear cfpb I am writing to formally dispute the collection account referenced above, which has been inaccurately reported by CKS Prime Investment to the consumer reporting agencies. I do not acknowledge owing any debts to this agency and wish to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this account is being reported in violation of several consumer protection laws. 

1. Dispute of Debt I am disputing any and all debts claimed by CKS Prime Investment. I request that you provide validation of this debt as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Until this validation is provided, I deny owing any amounts to your agency. 

2. Lack of Validation Information According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency must provide validation information regarding a debt before it can report this information to a consumer reporting agency. CKS Prime Investment has failed to provide such validation, thereby violating my rights as a consumer. 

3. Denial of Dispute Opportunity Per 12 CFR 1006.34 ( c ) ( 4 ), I have not been afforded the opportunity to dispute this account properly. The failure to provide me with the necessary information to validate the debt prevents me from exercising my right to dispute the account effectively. 

4. Revocation of Communication Rights Additionally, I hereby revoke any and all rights that CKS Prime Investment may have to communicate with me via email, text messages, or phone calls. All future communications should be conducted in writing only. 

5. Request for Debt Validation In accordance with the FDCPA, I request that you provide comprehensive validation of the debt, including but not limited to : - The original account number. 
- The amount of the debt. 
- The name of the original creditor. 
- Any documentation that substantiates your claim. 

6. Request for Purchase Agreement I further request that you provide a copy of the purchase agreement between CKS Prime Investment and the original creditor.
Product: Credit card

XX/XX/XXXX, Citi card sent me notice that I need more information to oepn the credit card XXXX they sent citi credit card that I never applied for. 
Citi used hard pull on my credit report. 
Other 4-5 companies- XXXX XXXX XXXX hard pull
Product: Credit card

I would like to address the challenging situation I faced during the COVID-19 pandemic. All of my family members lost their jobs and were fearful about the future. The responsibility to support my family fell on my shoulders, as I was the sole member working from home remotely.

Suddenly, I found myself dealing with financial difficulties in managing all our financial responsibilities. This led to some missed credit card payments. Prior to the pandemic, I had also gotten married abroad, and I needed to support my wife as well. Due to these circumstances, I struggled to make my credit card payments during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I had contacted my credit card company, TD Bank, to request the removal of these missed payments, but unfortunately, no action was taken. Despite the challenges posed by the pandemic, I eventually managed to make payments with the assistance of a credit counseling company and successfully cleared all my outstanding balances. However, those missed payments continue to negatively impact my credit report. 

Therefore, I kindly request that you consider removing these missed payments from my credit card history. I understand the importance of maintaining a good credit record and hope for your understanding and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have this negative Item reported on my credit report and I have been disputing but somehow it says that it was mine. IT IS NOT! I WAS A VICTIM OF IDENTITY THEFT FOR SINCE XXXX. Im in the process if purchasing my home and because of this reason its causing my a lot of problem which I shouldnt have to begin with. 

The Account is with USAA, I dont have any information regarding this account as I said its not mine. Account was opened XX/XX/XXXX. Its reported as CHARGE OFF in the amount of {$2500.00} Please help me have this account removed as I do not have this account or ever opened one. 

Thank you in advance with all your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX approx I opened a fraud complain on recommendation for cc and debt to use a credit stimulate at XXXX credit reporting on a member I could that they took off my mortgage with XXXX XXXX XXXX was gone removed membership on XX/XX/XXXX found it on my report from XX/XX/XXXX They refuse to put it back on credit report rude harmful on the credit inquiries the file shows me with no credit and incomplete denied all they experian said on my file secure file that waoukfnahve an excellent approval all denied But now on XXXX soft hit I have no credit enough to generate a fico score Please put my mortage back on my cred report they are rude hang up and tell me it's tough but it's suppress and various other reason. My other two credit agency are listed my mortgage can I help XXXX checked with XXXX XXXX   everything is fine they are reporting regularly
Product: Debt collection

I do not owe any debts to Absolute Resolutions. This company has violated my rights under the FCRA. Absolute Resolutions by law had a responcibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. Absolute claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX Absolute resolutions had a legal onligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for Absolute resolutions to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attemtps to collect this debt will result in lgal action against Absolute resolutions for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my transunion credit report. a lot of information invalid and is hindering my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX
Product: Debt collection

I have a current bank account with Navy Federal Credit Union. I had a charged-off loan from XXXX. On Tuesday, XX/XX/XXXX, {$350.00} were deducted from my primary checking account. When I called to inquire, I was told it was taken for the charged-off loan and because they saw a large deposit made in my account they decided to deduct funds. I wasn't given prior notification. I do not have a payment arrangement for a charged-off loan. The debt collection statute of limitations has passed. I want my {$350.00} back. 

When I asked for it to be returned, I was told they didn't have to return it and could take monies at any time even though it's charged off and I don't have to be notified.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a solar loan and signed contract with sunlight financial being the lender and XXXX XXXX XXXX being installer. Several items in the contract were broken by the lender and they refuse to make it right. My equipment is not what was listed on contract nor is it equivalent of what it was supposed to be. Then all I get is an offer of {$1000.00}. Thats not going to cover the panels to replace them and bring them to equivalent. I also lost thousands in warranties when solar company went bankrupt.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 

XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The account type is different from Equifax XXXX Equifax has no account type- It's a violation because all three are not consistent -The date opened is different from Equifax- It's a violation because all three are not consistent -The high credit is different from XXXX 's a violation because all three are not consistent -`An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from Equifax- It's a violation because all three are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and Equifax-It 's a violation because all three are not consistent -The 'date of last " payment is different from Equifax-It 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing XXXX payment history, Equifax is showing all Oks except for XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX but your company XXXX This account shows that it was XXXX in XX/XX/XXXX since the account has repeatedly been updated as charged off every month. This an update in the payment history. A charged off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

please see attachment as proof
Product: Checking or savings account

I previously filed at complaint with CFPB and Bank of America and the case was closed today with only a partial amount of the money being refunded. 

The company still owes me a large some of money that was fraudulently taken from my account. The charges for a business-platform software program are large and nothing we every ordered. This product ( XXXX XXXX ) that was fraudulently charged to our account is a software program meant for a large business. Does not make any sense at all that this program would be charged to a personal account. Our money was never protected and bank of America made no effort to protect our money. Our money is not safe with Bank of America if they let fraud like this happen. 

Does not make sense that Bank of America only refunded a small portion of the fraud and not refund the full portion. The monthly charges for XXXX XXXX that my husband and I never ordered, have no evidence of owning, and would have not need to own. 

I am asking that CFPB ask Bank of America to reopen this case and investigate further. They are telling me there is a " not enough evidence '' to reimburse the money. However, I have plenty of evidence. We never authorized the buying of this product, we don't own this product and we don't have any need for such a product.
Product: Consumer Loan

I am getting XXXX & will be on XXXX effective XXXX XXXX 2016 for XXXX days. I called the lender to verify they received the information & no one there is familiar with SCRA & how to apply the benefits to the loan. I submitted my XXXX on XXXX XXXX 2016 along with a request to provide the benefits to my loan. I had not received a response as of XXXX XXXX 2016 so my wife called to verify if they had been received. The representative informed her they received some paperwork from the XXXX but had no idea what SCRA was. He had never heard of it. He informed her a compliance manager would call her back. My loan id is XXXX. I would like to get this resolved before I leave the country.
Product: Debt collection

every day since XX/XX/22 i have received 1+ calls from the hours of XXXX am to XXXX pm. the caller id is Jefferson Cp Sy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I was on the initial phone call with DHI. The XXXX guy I was talking XXXX XXXX. He told me that at age XXXX, he was going to need information on my retirement funds. I told him that I wasnt going to be financing that much. He said at your age Im going to need that information. I promptly hung up the phone. I realized that this nothing was not the company that I wanted to do business with. I hope he gets disciplined for doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and Experian ). All the 4 collection accounts where deleted by XX/XX/ but XXXX  XXXX  and Experian continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on XX/XX/ and i did not get any reply from them ( XXXX XXXX and Experian ) and i sent a second follow up letter on the XX/XX/XXXXand still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
Product: Credit reporting or other personal consumer reports

Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, XXXX took 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX ) credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached document XXXX, XXXX, and Experian are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.
Product: Debt collection

I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.
Product: Bank account or service

I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.
Product: Debt collection

I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV  collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because according to 15 USC 1581 : I have the right to privacy and I did not give Equifax the right to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX Beginning in XXXX XXXX XXXXXXXX Beginning in XXXX XXXX  XXXX XXXX Beginning in XXXX XXXX XXXX Beginning in XXXX XXXX XXXX CARD SER Beginning in XXXX XXXX XXXX Beginning in XXXX
Product: Vehicle loan or lease

My loan was originated at an auto dealer and Suntrust was the recipient. Had I known this I would have stopped as Suntrust is a nightmare for vehicle financing. Now that they have merged with BB & T to create Truist ( pronounced trustless ) they have forced me to re-register my online banking to pay my bill. This requires my full account number which they star out partially on all correspondence, also not my original loan number. When I call it's endless waiting of over an hour to speak with an incompetent human being. They are now stating that my loan is XXXX month past due ( it's not I paid the XXXX payment ) and this concerns me as Suntrust has a habit of repossessing vehicles that are 30 days past due. The merger of Suntrust and BB & T was a huge mistake and should not have been allowed. This has put my transportation in jeopardy and could cost me my job. I now have to hide my vehicle for fear it might be repossessed incorrectly and I can not afford tow and impound fees.