23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Debt collection

I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. 
Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a third party debt collector furnishing an alleged debt on my consumer report without prior attempts to validate. Thus in violation of 15 USC 1692c ( a ) ( b ). 

On XX/XX/2021 I sent a certified Affidavit of Truth to EOS CCA alerting the company of my consumer rights that they are in violation of along side of this debt been alleged and as of XX/XX/2021 this company has not responded.

Under TILA, FCRA, FDCPA Congress states I am the consumer, The natural person.
Product: Student loan

In XX/XX/XXXX, my grandmother and co-signer of my Navient loan passed away. Throughout the process of closing the estate, the lawyers we hired to complete the process never once mentioned or brought up the fact that, under the policies of Navient and the loan, they would call the loan in default and due in full. Sometime in XX/XX/XXXX, I received calls and letters from XXXX XXXX ( their deceased collection agency. ) During this time, which did n't make any sense, Navient finally contacted me, in which I was at work and unable to field the phone call. I, over the course of the next few weeks, attempted to contact the representative who was 'in charge ' of my account. On a number of occasions, I tried to just speak with anyone but no one could help, as I was told I had to speak with my 'case manager. ' Finally, after speaking with the 'manager ' of my case, she informed me that I had 3 choices. 1 ) Pay the account off in full. 2 ) Find another co-signer ( something I 'm not willing to do, considering this possible outcome. ) 3 ) Find another company to lend me the money to pay it off. In my opinion, this can perceived as 'predatory ' collection practices. I 'm a customer of Navients, whom pays their bill every month. Admittedly, I had some repayment options early on, but I 've corrected those issues and now how a steady flow of income and have made payments every month since XX/XX/XXXX, which they 're unwilling to consider. After pleading with Navient to release the loan to me, without a co-signer, I was unsuccessful. I 've been 'cornered ' into a lose-lose scenario, which to me, does n't have a benefit to Navient, other than collecting the full-balance ( losing all of the potential interest ) or forcing another co-signer, and me, in to this very precarious situation. In addition, their essentially holding my grandmothers estate ransom, until a resolution that best works for them has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Equifax and other credit reporting agencies that I did not authorize these inquiries 1 ) DateXXXX XXXX XXXX  Company : XXXX XXXXXXXX XXXX 2 ) DateXXXX XXXX, XXXX Company : XXXX - XXXX XXXX ) DateXXXX XXXX, XXXX Company : XXXX XXXX  XXXX XXXX and Equifax told me they will stay on my credit for 2 years
Product: Mortgage

XXXX is my current mortgage servicer, previous servicers were Ocwen Mortgage Service and PHH Mortgage. I'm having problems acquiring mortgage assistance. 
I have been denied several time by all servicers of which they are one in the same. 
My mortgage history in their files is incorrect and servicing notes. Documents from XXXX states I was denied because there was 3 previous modifications. I have only had 2 modification never received a 3rd modification. Ocwen provides misleading information and they are refusing to work with me to save my home. I do not want to lose my home to foreclosure, received foreclosure notice foreclosure attorney who is working on behalf of my mortgage company. Tennessee law requires the homeowner to be given 30 day notice by mail prior to the sale, also the public notice was not published for the number of days per the Tennessee Code Annotated. Never received and acceleration of the note correspondence which reflects amount owed on mortgage from foreclosure attorney office or my new mortgage servicer XXXX. the mortgage servicer records or inconsistence because of the changes with the company. Ocwen is under monitoring with the Federal Consumer Protection Agency PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

I have been using PayPal to receive payments for my online business and also paid some of my staff using the same platform. 
On XXXX XX/XX/2023, I made a withdrawal of {$800.00} on my PayPal account ( Merchant ID XXXX ). 
I then got a notice that PayPal is requesting for my verification details. 
I gladly provided the documents required and all was fine until on XXXX and XXXX of XX/XX/2023 I did get notified that my account has been permanently limited. 
I was made to understand that I could only cash-out my funds after 180 days which I gladly waited. 
After 6 months ( 180days ), I contacted PayPal customer care so they could make an adjustment for me to cash-out my funds but all was in vain. 
It is almost 7 months now and still I have not been helped to cash-out my funds from PayPal as they are claiming that there is an ongoing verification on my account which could take another 180 days. 
I feel that is not fair to me because I have waited for 6 months as they told me earlier and now they are telling me to wait for another 180 days yet I had made a commitment to the funds and I need it nowdesperately.
Product: Debt collection

When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see the Credit Bureaus doing nothing to correct my Credit Report despite the multiple letters I have been sending requesting that the Credit Bureaus remove the disputed items from my Credit report. I am a victim of identity theft and the items I am disputing do not relate to any transactions that I have made or authorized. Neither did I received any benefits as a result of the theft of my identity. I informed the Credit Bureaus regarding my situation through the letters I have been sending them with complete attachments of my complete personal information and FTC 's ID THEFT REPORT. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer considered asaan item resulting from the identity theft under the Fair Credit Reporting Act section 605b. But despite XXXX constant reminder of the significance of the FCRA to the Credit Bureaus, It is clear that the Credit Bureuas are not willing to coply with the Federal regulation. The Credit Bureaus have been non-cooperative since I started disputing my Credit File. The last letter I sent was in XX/XX/XXXX yet again emphasizing the FCRA section 605b. I ma submitting this complaint to remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX WAY XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> : {$23000.00}. 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$540000.00}. 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$410000.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$500000.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$8400.00} Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately. 

XX/XX/year> : {$280.00}. 
Filed dispute due to this item not meeting the FCRA reporting requirements. I do not recognize how and why it is reporting. Delete immediately.
Product: Credit reporting or other personal consumer reports

Toyota has erroneously reported my car loan as delinquent on XX/XX/XXXX, impacting my credit score by almost XXXX points when I am trying to buy a home and apply for loans. 

I sold the title and car to XXXX on XX/XX/year>, the check was issued to Toyota Financial Services on XX/XX/year> and cleared on XX/XX/year>, however my account was still reported delinquent on XX/XX/year>. 

Due to XXXX 's negligence of not resolving this sooner when I first reached out to their LAX location on XX/XX/year>, I will be taking legal action against both companies, XXXX and Toyota. In the future, instead of telling people to wait for up to 45 days XXXX should have taken immediate action and not disregard a serious complaint. 

It is now showing I was delinquent for {$28000.00} which has never happened in my life on my credit report. Please connect me with your legal team to help resolve this matter.
Product: Credit card or prepaid card

This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX. 

I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund. 

As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails. 

After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.
Product: Money transfer, virtual currency, or money service

I have been trying to solve this problem since it occurred on XX/XX/2020. I was attempting to loan my son money because his car was repossed and he and his girlfriend needed transportation to get back and forth to work. I was attempting to cash app his girlfriend XXXX dollars not knowing that she had two cash app accounts. One an old one which she had no access to because her phone number had changed and her email address which she did not remember. I have explained that over and over again since this happened to cash app, which you can never talk to them and it is done only by email which in itself is frustrating. The person I sent the money to whose name is XXXX XXXX has also contacted them to tell them she doesn't have access to the account but they keep giving her ways to access it which have not worked. I just ask them to send the money back to where it came from and they keep telling me she has to and she can't because she can not access her old account. No matter what I tell them they will not release my money. The money was to be refunded to me by my son and girlfriend but they never received it. Now my bank account is overdrawn because I am no longer employed. I am XXXX years old and unmarried and unable to let XXXX dollars go up in thin air. I want my money and as far as I know this company has it stored somewhere. If it is still in this old account I would think after 30 days if no one claimed it it would go back to sender especially if there are complaints about neither party getting the money and then just close the account. Or let the person who should have received the money know there is a problem with the transaction and if they receive no reply close the account and refund the money. There has got to be a better way than the way this is being done. I am not going to lose XXXX dollars and not know where my money went. The person I sent the money to is XXXX XXXX, she lives XXXX XXXX XXXX XXXX XXXX, Ohio and her number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio phone number XXXX. Thank you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 reporting

Waiting for each agent to respone to my complaintXXXX experian XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Product: Debt collection

My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY