23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call on XXXX/XXXX/15 from a Rose and Associates stating they were calling to verify employment. She then begin to tell me that my wages are going to be garnished due to an imaging report that was read by a XXXX XXXX ( whom I 've never seen ) almost XXXX years ago and he never received payment for it. I started asking questions b/c I was really confused and did not remember any such thing. She seem to get irritated when I started asking her questions about the original creditor and what steps I needed to take to get this figured out. She said to me, you should have paid this when the bill was due and I would n't have this problem. Well i think that was very harsh. What would she say if this debt was in fact an error and it was n't me? That would be falsely accusing me of not paying my bills which is HARASSMENT She then said that the balance was {$300.00} and now it has turned into {$3000.00} and if I do n't pay she will start taking money from my account and if I wanted to pay today she will drop it back down to {$300.00}. I advised her that I knew nothing about this debt and I was n't paying without validation. She was very rude and hung up on me. I called back and spoke with a XXXX whom was rude as well and asked could someone send me a validation of debt. He advised that the person that handles that was on a call and she would have to call me back. I never received a phone call back. I called today and spoke with a XXXX who said she was the general manager. I was trying to explain to her that i wanted a validation of debt and no one ever called my back and that I was hung up on previously. She then got mad and said that i was lying no one hung up on me. She also stated that I was being rude ( which is a lie because I have the call recorded ) I started asking her why she was so angry and she kept yelling in the phone and told me not to call her office back anymore. The only reason i called their office back in the first place was because I was told I would get a call back and did not. Everyone I have spoken with in this office was very unprofessional and rude. They are also not accredited with the XXXX. And on the XXXX website it states that this business is closed. I would also like to know if this collection agency is even licensed to collect in the state of XXXX since they are based out of XXXX. Something needs to be done about this office and the way they conduct business. As the consumer I tried doing my part by requesting a validation of debt. she also stated that it would take up to 30-60 days to send out the validation of debt and I said to her by law if a validation of debt is requested it has to be sent to the consumer and normally only takes XXXX days. She told me.. '' well by law I can do whatever I want to do ''. They are a shady business and I want no further connection with them. This woman called me out of my name and accused me of being rude to her and I wasnt.
Product: Checking or savings account

On XX/XX/XXXX I was looking on XXXX XXXX for a used XXXX XXXX to purchase for my nephews birthday. I saw one for XXXX $ and asked if the merchant ( XXXX XXXX ) would be willing to ship it instead of meeting up for the item. The merchant agreed and assured me that once I paid her the money through messenger, she would ship the item and keep me updated. After transferring the money to her over XXXXXXXX XXXXr, the merchant was unresponsive to my messages. I then, reported the merchant to XXXX and filed a dispute with my bank USAA the next day on XXXX XXXX I am a veteran of the United States XXXX and have been with USAA since XXXX. After making the dispute I sent my bank screenshots of the business transaction. I sent screenshots of the merchant being unresponsive. Because this money transaction was through messenger, XXXX advised me to dispute the charge with my bank because the purchase was not made through marketplace. I never received anything in the mail from the merchant. It is clear I am a victim of fraud. I submitted evidence proving I was a victim, but upon speaking with my bank, I was advised I had to make a dispute with XXXX to get my money back. As a bank who I had trusted, I expected that USAA would resolve the dispute in my favor because I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SeedFi has a address on my account that is not my address I addressed it they said it will come off but its still there its on my XXXX  account XXXX XXXX XXXX XXXX XXXX, NC XXXX I never lived there I looked it up its a park
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit card

I filed a report against Discover Card, and they will not lower the interest rate on remaining balance. I want to close this account and will not longer do business with Discover Card or refer them to any of my relations.. 
or corporate friends or companies who I work with due to their way of wanting to destroy personal and small business companies which I happen to own.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

COMPLAINT : I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX & XXXX BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent to 3 bureaus. The last letter sent to XXXX/Experian/XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the phone number ( XXXX ) XXXX They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Credit reporting or other personal consumer reports

There's an account on my credit report that I don't recognize and it doesn't belong to me. I suspect it might be linked to fraud or identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate Customer Service and unfair Practices, which violate the Consumer Financial Protection Act ( CFPA ). - Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my Account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with Error Resolution Requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these Violations.
Product: Debt collection

I was an employee working for XXXX up until XX/XX/2018. During my time their the company assumed responsibility of my cell phone bill with XXXX XXXX XXXX. It was either have a work phone as well as a personal, or use one cell for both and the company would take ownership of the line. 

Once I left XXXX I was told by their HR department that I would not have to take any action regarding the phone line, that it would automatically cancel once my two weeks was over and I was no longer with the company. This was a relief because when attempting to cancel the line directly through XXXX XXXX XXXX I was told by the phone company that I had no access to make changes to the phone line, including canceling it, because it was not in my name anymore but XXXX. 

So months go by, the phone line has been cancelled and I am with a new provider when I check my credit on my free App and it has a collection in my name for {$200.00} owed to XXXX XXXX XXXX. I was never contacted via phone, mail, or any other way by XXXX XXXX XXXX letting me know what was going on by the debt collector because they simply had incorrect address and phone information. I called XXXX XXXX XXXX to gather information about this money owed, from what months, for what services, and they could not disclose any details with me. This is because it was not considered my phone line, but XXXX, and they could not disclose any information to me. 

I have the right to dispute collections and so I did and disputed it with all three credit bureaus based on these facts. All have removed it from their reports except for Equifax. They seem to refuse to consider that I never owed a debt, and if I did was not given proper notice of a debt owed prior to being sent to collections, or the I had a collection because XXXX  had very old contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.
Product: Debt or credit management

Court order case dismissal documents XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/year>. Breach Stolen identification during pandemic. I reach out they wouldnt let me come to the main office in XXXXXXXX XXXX  to show proof from Unemployment stolen identity fraudulent documents. And they stop taking my calls send one letter I mail the documents in but no response for a long time then I noticed its on my credit report They just close my account and report me to credit bureau. 

XXXX toke over XXXX XXXX XXXX XXXX few weeks after I cancel with XXXX XXXX and they just start billing me and report to credit bureau I spoke to XXXX XXXX XXXX but they kept saying we toke over the XXXX XXXX XXXX company kept saying Im I XXXX them I cancel the sheriff dept account and XXXX XXXX the same day before I had knowledge of XXXX buying them out. {$450.00} on XXXX XXXX I cancel I time and they charge me cause I went I State Farm insurance. {$180.00} 2023
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX  but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXXXXXX. I am not liable for this debt with consumer energy. I dont Not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested several times.
Product: Debt collection

On multiple attempts I disputed the account on my credit as inaccurated being filed by the collection agency National Credit Systems Inc in the amount of XXXX. This account has been heard before the XXXX District Courts and has been dismissed. In court the amount said to be owed as {$4400.00} but National Credit Systems Inc is reporting an inaccurate amount and verifying it as accurate. I owe no such debt and have not been presented and documents proving otherwise.
Product: Debt collection

The institution threating me with a summons from court saying i owe and i said i don't no you and I, me, you or the XXXX XXXX XXXX  that im the signatory and authorized representative for don't no you.They said that there Attorneys for XXXX XXXX XXXX and i said show me your license to collect in Pennsylvania. they didn't, then they said if you don't pay that there goin to suspend the driver license that I operate with in 60 days. And they file it in court without my consent. I reposted to Identity theft.gov Because now they have my private information that i never gave them consent to have. I've never contract with this company or agreed to there proceedings. There using deceptive acts with my estate that i am the authority for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ; Account number : XXXX, XXXX  XXXX ; Account number : XXXX, XXXX  XXXX ; Account number:XXXXXXXX XXXX  ; Account XXXX XXXXXXXX XXXX XXXX ; Account numberXXXX, XXXX XXXX Account numberXXXX, Department of Education ; Account number : XXXX, Department of edXXXX XXXX XXXX Account numberXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 conviction 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

I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
Product: Mortgage

When I signed this loan I do not remember signing anything regarding the inclusion of the insurance on the home. I was surprised to find that they were charging me {$330.00} per month for insurance, without my consent. This is an expensive insurance that has been added to my loan balance. I already had insurance on my home and wanted to maintain my policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Debt collection

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2015, we cancelled our XXXX cable service and sent the DVR back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with XXXX, who said they verified the debt with TRIDENT ASSET MANAGEMENT.  The debt is fake. XXXX shouldn't never have recorded it as a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, TXXXX XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

This company NetCredit keeps trying to collect on a debt that Is not mine - I have tried to resolve this several times and have not got any luck with this corrupt organization