23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that Paramount Recovery purchased from another 3rd party debt buyer. Paramount Recovery and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. This information was confirmed yesterday XX/XX/2023 with XXXX XXXX XXXX I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Paramount Recovery Systems is to CEASE and DESIST further communication with me and shall not! communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all 3 credit reporting companies in regards to removing the listing of a XXXX XXXX. I have contacted XXXX XXXX which does not have any record of my Name or SS # and advised me that I need to contact these companies again. Hard inquiries included XXXX XXXX, which is due to be removed XX/XX/2019, but they have not. As XXXX XXXX for a company called XXXX XXXX XXXX, which is closed and no longer in business, so how can this be verified. 
XXXX-has not replied and all 3 disputed were mailed on the sameday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX and early XXXX of XXXX I shopped for a new car and asked the car dealers for loan information. On XX/XX/XXXX, 4 inquiries were made by car dealers about my credit status. On XX/XX/XXXX, 5 inquiries were made by car dealers. I later learned that the TransUnion Company dropped my credit rating 40 points as a result of these inquiries. At present TransUnion records show 9 inquiries dated between XX/XX/XXXX and XX/XX/XXXX. But the TransUnion website states " Lots of inquiries in a short amount of time can hurt credit scores but if youre comparing options for something like a car loan all of the inquiries made within 14 days may only count as one on your credit report. '' My inquiries were made within a 3-day period and should be reflected on my credit report as 1 instead of 9. I filed a formal request with TransUnion to  correct this error and TransUnion refused to make this correction -- without any explanation whatsoever -- in an unsigned letter ( file no. XXXX ) dated XX/XX/XXXX.
Product: Mortgage

I filed Complaint # XXXX on XX/XX/2021 in regards to my mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing. 

NewRezs XX/XX/2021 response states, As stated in Newrezs XX/XX/2021 response, {$940.00} in funds previously received from the Trustee were mistakenly counted as a post-petition payment in tracking post-petition amounts due 1. Provide documentation/records showing the exact Transaction Dates that NewRez allegedly received funds from the Trustee in the amount of {$940.00} that was mistakenly counted in the bankruptcy payment ledger. 

If the amount of {$940.00} was paid by the trustee as multiple payments, totaling XXXX XXXX-provide documentation showing all of the separate amounts and transaction dates which total to the amount of {$940.00} that was allegedly received from the trustee and mistakenly counted in the bankruptcy payment ledger. 

2. Why is NewRez stating they used the number/amount of {$940.00} in their XX/XX/2021 response as the number/amount {$940.00} does appear at all in their XX/XX/2021 response?
Product: Debt collection

Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : COMMONWEALTH XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Again another loan with an illegally high interest amount..
Product: Debt or credit management

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

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

XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts listed with XXXX XXXX I was promised a delete of these two accounts according to the phone conversations upon paying these and in the letters attached one is for XXXX, I I believe the other is for the other account they said they would completely delete they did not they posted to XXXX balance and their letter didn't state that as I never owed them they bought this debt as I was on XXXX and paid as soon as I could. I need it it off my report as promised. it states this in the third paragraph that it will be deleted
Product: Vehicle loan or lease

I applied for a car and was denied due to fraud and discriminationChase has openly admitted they gave out the wrong information and still wont return my application and they discriminated against me and just flat out took the credits from this application and ran offChase Bank is so illegal on multiple levels
Product: Mortgage

We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX World Finance no longer owns the debt and should not be reporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new Audi from XXXX XXXX  in Delaware - Made last payment on XXXX for {$1000.00} ( Next payment due on XXXX ) -Traded the lease in to XXXX XXXX in XXXX Md on XXXX - Audi was called by XXXX and sent payoff check of {$53000.00} ( Cashed by Audi XXXX XX/XX/15 ) - Audi/VW financial continued to send be bills stating monthly payment was due - XXXX, XXXX, and XXXX - I called 3x explaining that the car was traded and they cashed the check - After 3rd call ... .Audi stated they were waiting the mileage reading from the dealer to clear the account A. I hope you are not reporting this to credit agency ( I'm never late on anything ) B. Have you contacted the dealer about the form C. Explained this is misuse of the Credit Report ( FCRA violation ... .has nothing to do with payments ) D. Audi never contacted the XXXX  about the statement ... ..The car was traded and resold by XXXX XXXX ( XXXX ... .No issues ) My credit score was impacted down 80 points ... .Trying to buy another house I know my rights ... .20 year Credit Card Bank Executive ... .FCRA Violation Clear
Product: Credit reporting or other personal consumer reports

My information was exposed in the XXXX data breach. I do not recognize these hard inquires.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$690.00}.
Product: Debt collection

I financed some items from USA DISCOUNTERS in XX/XX/XXXX while I was stationed at XXXX XXXX in XXXX State. I started soon after getting calls at work asking to speak to my supervisor. A women called my office XXXX times a day telling my supervisor my account was late and how much I owed to them. I returned their call and asked them not to call my job. They continued to call and tell anyone who answered, my detailed info about my account. I talked to someone in the debt section and I was told that my account was n't over due yet but it would be in 30 days. I asked so why all the calls? I was told because my full payment was short by {$45.00} and if not paid I would be over due. I paid the money. Shortly after I was placed on orders to XXXX XXXX and sad to say, I was going through a divorce. I called USA DISCOUNTERS and told them my money will be short because I no longer have XXXX incomes. I fell behind on payments and I received a court sums soon after saying I was being sued in XXXX courts. I never bought any items in the state of XXXX and I was still stationed in XXXX. I sent a letter to the court stating I was in XXXX. I never hear anything back from them. This XX/XX/XXXX, I retired from the XXXX. My account was frozen by USA DISCOUNTERS because of the lawsuit. I can not get any money out of my account which is my retirement. They are trying to garnish my retirement. I was told by my jag office that it could not be garnished but seems like they were wrong. I 'm currently living day to day trying to make it on what little money I have almost just change now. My account is frozen and I have medical issues I have to take care of and bills to pay but I ca n't. Just need help trying to figure out what to do.
Product: Mortgage

We contacted Chase Bank XXXX, whereas the Chase bank Representative advised us that they added the Assignment of Mortgage in Error, we even went XXXX way on phone call with Select Portfolio Servicing and Chase Bank, advising them that Chase Bank made in error and that Select Portfolio Servicing need to issue a Correction to get the Assignment of Mortgage ( removed ), they still refuse to make correction and then XXXX used the Fraudulent document to peruse a Foreclosure and get a Sale Date. We brought in the documents to Chase Bank twice ( XXXX and XXXX ) so they could give to their research department, they acknowledge they received XXXX, and advise they would have resolution by XXXX, Chase then sent us a Letter telling us they are not the Noteholder or Investor and it is XXXX who is our Noteholder, and that because they sold the Servicing rights to Select Portfolio Servicing, they were unable to issue Correction of Assignment of Mortgage, now the Servicing company XXXX refuse to issue XXXXrrection of Assignment of Mortgage, we then asked Chase several times for Documents showing when and where they sent our document to XXXX, still no response from Chase now there Executive Office refuse to take our calls, we then sent emails asking Chase Bank to give us a document showing that they added the Assignment of Mortgage in Error, still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for Method of verification of two accounts on my credit reports, XXXX, Experian and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, Experian and XXXX  continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Product: Money transfer, virtual currency, or money service

I was reached out to via a friend 's account on facebook messenger. This was not a new friend and not a new account under their name. They told me to go to this website ( https : XXXX ) and purchase an item, they should send me the item, and refund my money for helping out with their website. To get the item, you had to pay the person I thought was my friend via PayPal. I never got my refund and when I reached out to ask about they said I needed to resend the money because the order was not confirmed and they would refund me twice. I feel for it 3 times, unfortunately. I have filed a dispute with PayPal and XXXX. PayPal says they can't do anything since it was a " Family and Friend '' payment. XXXX says they can't do anything because it is PayPal 's decision. 

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

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # 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
Product: Credit card

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

The Golden 1 Credit Union XXXX XXXX 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are  one in the same, but neither one ca n help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at leas t five  times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.