23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint does not actually fit into any of these categories. It is a complaint against XXXX Bank, financing via XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and XXXX is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.
Product: Debt collection

THIS NOTICE SERVES AS A CEASE & DESIST : I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any medium unless it pertains to my remedy in writing via mail. 

On Wednesday XX/XX/2023 I received a letter in the mail from a company identifying themselves as : PORTFOLIO RECOVERY ASSOCIATES , LLC. The aforementioned also identified themselves as a debt collector attempting to collect from me. I do not now, nor have I ever entered into a contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. As a consumer, this is a direct violation of my rights. How did you obtain my information? Who granted you the right to contact me in any matter assuming that I owe any alleged debts? Where is your proof of authority? I've never given my consent to furnish, exchange or assume anything on my behalf. This letter is an attempt to defraud, mislead, misrepresent and willfully and intentionally violate my consumer rights as expressed by the FDCPA. I've never consented or agreed to enter into any implied or expressed contracts with PORTFOLIO RECOVERY ASSOCIATES , LLC. I demand immediate removal of my information from your database and permanent deletion of whatever information you have pertaining to me as it was obtained unlawfully. No consent equals identity theft. I will not hesitate to file suit against PORTFOLIO RECOVERY ASSOCIATES , LLC and recover damages for : identity theft, fraud, personal injury. Furthermore, this company also accessed my consumer report on several occasions without my permission or consent. You will also be held civilly liable for knowing noncompliance as it states in 15 USC subsection 1681n : " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer for actual damages sustained ... ''
Product: Debt collection

I was given a post card indicating that I was to pay an alleged traffic offense debt to XXXX Municipal Court back in XX/XX/2018. The post card is not marked, nor stamped by the post office, so I assumed it was another junk mail advertisement, til I turned it over. This was the first in a series of multiple attempts to collect a debt of {$330.00} for failure to control speed. I was never ticketed nor summoned by XXXX Municipal Court. I wrote a letter in response to McCreary, Velseka and Bragg and Allen PC on XX/XX/XXXX2018. They received my letter on XX/XX/XXXX2018. In my correspondence, I demanded they produce the original signature I gave indicating my contract with XXXX XXXX XXXX, and until that original binding contract was submitted for review, all written and telephone communication must cease until said documentation was submitted as valid proof of claim. I was never ticketed nor summoned by XXXX Municipal Court for any or such charges. On XX/XX/XXXX, McCreary and Velsek, Bragg and Allen PC called XXXX Municipal court and had the court contact my personal cell phone number, 1. they violated the original contract submission. They tried to get me to come into the court to produce a signature. I explained without valid proof, I would not be coming to court without an original summons with my signature agreeing to appear. The firm McCreary, Velseka and Bragg and Allen PC continuously send me letters unmarked by postage and post cards threatening my arrest. I tried to call their phone number. I'm left on hold, sent to a voicemailbox that is full and can't accept messages. The court has violated my rights by sending my information without my knowledge or consent to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here by putting you in notice of the obvious violations Target has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations.

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} 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 or other personal consumer reports

I just checked my credit and found some inaccuracies. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). The information in my credit report is wrong! Therefore it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you! Also! Federal law requires you to respond within thirty ( 30 ) days. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

I told them about a XXXX payment and they told me since it was sent from my account they cant get or give it back
Product: Debt collection

The company sent me a letter advising that legal actions were to be taken if payment is not received by the XXXX of XXXX. 

Despite the letter, they are still trying to contact me by contacting people that I am friends with via social media, they have given this people all the info of my debt, and are now harassing this people. 

My friend, XXXX XXXX, is now receiving repeated communications from this office, and was given all the info regarding my debt.
Product: Prepaid card

Cash app offered a XXXX  card with a XXXX  theme. I did see it available for me to purchase on XXXX. I did make the purchase and got the card 10 days later. When I went to activate the card I got an error, I did contact cash app. So apparently since it was out of stock on the XXXX the card was deactivated, yet I was charged for the card on the XXXX. The card was sent deactivated en route and was not notified by cash app
Product: Student loan

This involves a student loan. Navient changed my fixed interest loan to a variable interest loan ( on loans XX/XX/XXXX and XX/XX/XXXX ). The interest rate has increased from 0.001 % to 10.750 %. This occurred immediately after I paid off one of my loans. I was charged for the month of XX/XX/XXXX a total of {$73.00} in interest. 

I called the number on Navient 's web page ( XX/XX/XXXX ) and was transferred to XXXX. The operator indicated that she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website '' but that my " collector did. '' She also indicated that I " shouldn't rely '' on what's on Navient 's website and that it " wasn't up to date. '' Since the website shows my monthly payments, how much I must pay each month, and my payment history, this advice is XXXX. 

The operator then transferred me to XXXX XXXX where XXXX XXXX said she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website. '' When I indicated that the previous person claimed XXXX could correct the problem, she denied this and then berated me for being in debt -- in spite of the fact that I have been making the monthly payments as indicated on the Navient website. 

Though I did go into default during the beginning of the recent recession, I have been paying consistently on my loans since XXXX and have payed off most. I believe this is an attempt to keep me in debt in spite of my success in paying off my loans.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries, Capital One Bank XXXX was issued on XX/XX/XXXX and XXXX, XXXX issued on XX/XX/XXXX. Three letters were sent out to the 3 major credit reporting bureaus in XX/XX/XXXX to have these inquires remove, because I was unaware and did not give my consent.
Product: Credit card

The account is invalid GOLDMAN SACHS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. GOLDMAN SACHS BANK USA XXXX
Product: Vehicle loan or lease

You guys lied! I called and gave me a hard time to deal with my deferment and didnt approve me for XXXX months! Listen to the call the lady was rude and didnt want to help! 

ACA is willing to approve the request for a one or two-month payment extension. ACA tried to contact XXXX XXXX by telephone on XX/XX/XXXX but was unable to reach him. XXXX XXXX is asked to call ACA at XXXX regarding his request for a payment extension. The account is notated regarding this matter, but we need to speak with XXXX XXXX in order to finalize this arrangement. While ACA has initiated an investigation of the complaint, we are still in the process of completing our investigation and finalizing our written explanation. We will submit a final explanation within the response period of 60 days after the filing of the complaint. In the meantime, if XXXX XXXX has any questions after reviewing the above information, he may contact ACAs Customer Experience Supervisor at XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Ive bank with chase for years & for years they overdraft me {$35.00} more then 5 times a month, one time when I called they even returned my money knowing they was Stealing from me, I took my direct deposit off because Chase was taking they money back which wasnt a problem but plus more and I started too not see my check which almost costed me my living even though Covid, it was absolutely NO remorse from the bank Ive bank with for years, they closed my account & I finally started too get my funds back in order I recently open it back up and deposited my boyfriend thats in XXXX  check in the account assured, that it was okay because I had a power of attorney of his funds being that he isnt available too handle it Chase Originally verified my check but said my POA wasnt valid, I then got the chase POA & signed & got it notarized me & my boyfriend thats in XXXX  after doing everything they ask me too do they Still gave me a hard time, this matter has costed me days of work as well as took it toll on my mental, I was Treated like a scammer by the same bank that have scammed me for Years .over drafting me for a dollar, Ive spoke too several people & each time they came up with a new reason not too release my XXXX check which is just crazy because I was ROBBED more then that from chase, I honestly felt singled out because Ive never heard of anyone having this problem besides me .i may not be rich and have a lot of money but Ive worked & Payed Taxes Ive been a honest hard working XXXX mother and i feel like Chase bank as taken from me
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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, 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage Ser Date of Inquiry : XXXX
Product: Credit reporting

I have contacted ChexSystems several times about removing a bad address that belongs to someone else from my ChexSystems banking/credit report. ChexSystems keep telling me that the disputed address was provided by me. I have no record of this. At any rate, ChexSystems has my current and correct address on file ; there is no need for them to keep an additional erroneous address in my file. This put me in jeopardy of identity theft. I would like ChexSystem to remove the erroneous address. Thank you.
Product: Credit card

I am trying to understand that why when I make the minimum payment my account is always over the limit and I never make any progress on the balance with the outrageous monthly fees
Product: Credit reporting or other personal consumer reports

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. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my Equifax credit report in XX/XX/2018, via my Equifax Credit Monitoring paid membership, I noticed there was a joint open account that I did not recognized as mine under XXXX XXXX XXXX XXXX being reported on my credit file. I disputed the validity of this account with Equifax. I checked my report for updates on XX/XX/XXXX & I noticed that Equifax added comment on the account stating- consumer disputes- reinvestigation in progress. ( copy of the report page attached ) On XX/XX/18 I received a confirmation email from Equifax notifying me my dispute was complete. ( confirmation # : XXXX ) When checking my updated credit report, the account that I previously dispute was deleted & removed from my Equifax credit report. ( copy of dispute confirmation & report page attached ) 3 days later I received a monitoring alert notifying me a new account had been added to my Equifax credit report. I checked my updated report ( via Equifax ), & I found the account that I previously disputed & was given confirmation with a confirmation report verifying that the account was deleted/removed from my credit report ( via Equifax ), was reinserted on my credit file, without any notification whatsoever. Despite the fact that Equifax was unable to verify or validate this account during the dispute investigation, they are knowingly reporting an inaccurate & unverified account on my credit file, which is a direct violation of the Fair Credit Reporting Act & violates my personal consumer protection rights. ( copy of credit report from XX/XX/XXXX attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from XXXX stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Product: Credit card or prepaid card

I was accepted and supposedly issued a credit card on XX/XX/2023. The card was never sent. Supposedly on XX/XX/XXXX a second request was issued by the company to have the card sent. I was told their " back office '' doesn't accept calls from them so they had to send an email. They never received a response.I have called regularly since the beginning of XXXX speaking with numerous representatives and managers. With every call I am told they are sorry but there is a shortage and delay of cards and there is nothing else they can tell me. No one can tell me when I will receive this card. The last two managers I spoke with said it would be issued within the week. Obviously, those were lies to keep me from calling for awhile. I need this card to make a purchase in two weeks but can't because I have to physically receive the card and activate it first. It has been one month since this ordeal has begun and after more phone contact with them than I can count am still being told the same lie with no idea of when this card will be sent. I would greatly appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my TransUnion credit report. I contacted company XXXXXXXX XXXX collection agency using the information TransUnion has on my file and the XXXX told me they don't have any collections against me. They verified using the last four of my social security number. It is a medical debt from an hospital in Indiana. I have never been to Indiana and have health treatment through the veterans department. TransUnion has refused to provide any documentation. I have asked online and through phone calls several times. They have not investigated at all. It was very easy for me to use their info to verify it's not mine.