23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 ) XX/XX/XXXX responded to allegations from Piedmont Credit & Collection Services, XXXX XXXX XXXX, XXXX VA with Notice of First and Final Warning, requesting, in part, they cease all communications with me, and a Notice of Final Payment for the alleged account along with a money order. 

2 ) In a letter dated XX/XX/XXXX Piedmont Credit & Collection Services declined my offer and returned the money order stating they would cease further communications with me regarding this account ( see attachment ). 

3 ) Contacted again by phone in XXXX XXXX by Acct Rep. XXXX XXXX regarding a collection. Requested she mail it to me to look over. Same collection notice as before. Responded with a copy of their XX/XX/XXXX letter and again requested they cease contact. 

4 ) Contacted by phone or about XX/XX/XXXX by unknown acct. rep. who stated she had been trying to get in contact with me. Noticed she stated bills were from XXXX. I was confused and asked her to mail it to me to look over. Then I questioned her about the dates and started to write them down, but she suggested just mailing them. Received letter postmarked XX/XX/XXXX with same account, same dates but with with higher amounts and a newer one added. 

5 ) Responded XX/XX/XXXX explaining everything once again and requesting they cease all communication with me. 

6 ) Over six years of periodic contact after stating they would not contact me..
Product: Credit reporting or other personal consumer reports

The FCRA prohibits inaccuracies on consumer report. The account balance on account # XXXX IS INACCURATE. The balance of the loan is XXXX on my consumer report its XXXX as shown in my documents. This should be removed for in accurate information on my consumer report as a consumer I have rights by law by the FCRA.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX noticed that there was a very large drop in my credit report ( XXXX ) in 6 month period. Found that there was a fraud account set up ( XXXX  ) and false address ( XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX set up under my name. I placed a freeze on my credit and started a fraud investigation through XXXX. I contacted XXXX XX/XX/XXXX to continue with opening fraud case and Identity thief was suggested and also contacting the bank of fraudulent account. I contacted XXXX and notified them of the issues and that this was not my account and someone had opened it fraudulently. XXXX was told they would start an investigation an send me the info they had. I have not received and information yet of what they have.
Product: Student loan

Account XXXX XXXX student loans that I supposedly owe a debt for. Aidvantage has not provided a properly endorsed security instrument when asking for proof of debt, as well as no performance statements on the security.
Product: Vehicle loan or lease

I am writing to formally dispute the unlawful and deceptive repossession of my XXXX XXXX XXXX and to demand an immediate resolution to this matter. 
On XX/XX/XXXX, I received an email from Capital One stating that I had until XX/XX/XXXX, to contact your office to discuss the alleged delinquency on my account. The email explicitly stated that failure to contact Capital One by that date would result in the initiation of legal proceedings and repossession. However, in direct contradiction to this statement, my vehicle was repossessed without notice or proper due process on XX/XX/XXXX. 
On that day, while shopping at a local grocery store, I returned to the parking lot to find my vehicle missing. Moments later, I received an email from Capital One titled, Weve now repossessed your vehicle. Lets figure this out together. This immediate repossession, without affording me the time frame explicitly communicated in your prior correspondence, constitutes both deceptive and bad-faith business practices. 
Additionally, the repossession was conducted in an unpeaceful and unlawful manner. As you are undoubtedly aware, repossession must be conducted without breaching the peace. Your actions disregarded this fundamental legal requirement. 
Prior to this unlawful repossession, I exercised my legal right to request proper validation and verification of the alleged debt, including a copy of the original binding contract. My letter was sent to Capital One on XX/XX/XXXX, and received by your office on XX/XX/XXXX. 
Despite this, I have yet to receive the requested documentation proving Capital One 's claim, yet my vehicle was taken without due process. You have asserted that I owe a debt, but you have failed to provide any evidence substantiating your claim. 
Furthermore, I must remind Capital One that any attempt to litigate this matter would be a direct violation of your own arbitration clauses. Repossessing or selling my vehicle absent clear contractual language permitting such action further constitutes a breach of said arbitration clauses. Your unlawful actions will be addressed accordingly should you proceed down this path. 
Case law supports my position. Under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that self-help repossession must be conducted without breach of the peace, and failure to do so can constitute wrongful repossession. Additionally, under XXXX v. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), an improper repossession may also give rise to a claim of conversion and wrongful taking. Your actions align with the violations outlined in these cases and will be challenged accordingly. 
I demand immediate resolution to this matter, including the return of my vehicle, a full accounting of all actions taken, and a formal response addressing the legal violations committed by Capital One in this process. Failure to comply with these demands may result in legal action, regulatory complaints, and further recourse necessary to protect my rights. 
Govern yourselves accordingly.
Product: Credit reporting or other personal consumer reports

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : XXXX XXXX XXXX XXXX XXXX XXXX  This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

XXXX. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

XXXX. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Credit card or prepaid card

XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX. 

HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge
Product: Debt collection

My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
Product: Bank account or service

I have been charge several overdraft fees for checks that the bank did n't list on the account on the same date however posted as it was. I was told by customer services representative that if by XXXX is not posted on the account that 's the latest it could show up. In the last month this situation have happen XXXX times incurring in {$35.00} charge per transaction.
Product: Debt collection

Easy Acceptance failed to address my concerns about the contract acting as a security for this transaction. I am not disputing anything other than if the contract is being sold for profit. Failure to address my concerns I will escalate my concerns to the SEC as a whistleblower and the FINRA to halt your businesses ability to process securities.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/year> -- {$2800.00}
Product: Credit reporting or other personal consumer reports

I contacted Experian multiple times and spoken with the supervisor about my issue and all they said that it were verified. So I sent them a certified letter requesting immediately validation of proof with signed documents. And a letter requesting proof of validation within 15 day 's are else removed the bankruptcy account from their file. The law states that everything that gets reported have to a 100 % accurate. My question is how XXXX, XXXX, XXXX, did a investigation and removed the inaccurate bankruptcy information from their credit file, But Experian continue to report the inaccurate information without sending are showing proof of validation. it's time for actions now. Legal action need to take place.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a response from Experian with whom I had an open dispute with about a public record : Bankruptcy record XXXX being reported on my consumer report which is false and inaccurate. In their response to me they claim to have verified this with a third party vender ; when I received their mail correspondence it stated that the third party vendor used to verify this information was XXXX. I disputed this same information with XXXX before who each time replied no record exist in their system. Experian has made it their personal mission to deceive consumers like myself and the government by providing false and inaccurate information in order to line the pockets of its shareholders. They do this so that consumers will be charged higher rates which leads to more money coming their way.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which provides protections to survivors of human trafficking. I am a survivor and victim of XXXX trafficking, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. 

FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of human trafficking or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law.

As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information.

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a trafficking survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured.

Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX trafficking.
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature from the creditors listed below in which they have failed to respond within 45 days. I also sent letters to the credit Beaurus asking for a method of verification in which they refused to respond as well with 45 days! According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX  XXXX Account Number : XXXX They also violated XXXX XXXX XXXX XXXX XXXX XXXX ) Can you look into this?
Product: Credit card or prepaid card

I went online land locked my card on XX/XX/2021 as I always do when Im not using it later that day I went to unlock it I couldnt log in saying my password was incorrect then the website kept saying its experiencing technical difficulties I spoke to a representative who told me she didnt know why my account was locked and I told her it wasnt locked because I didnt get an email she said I did again I didnt she then said shed send it over for review and it will be two business days so I get an email at XXXX telling me my account is permanently suspended due to me receiving a direct deposit not in my name? Mind you the only deposit I get is my stimulus check which Ive been a customer for the last 5 years and this is the second time they closed my account the first time is because my last name is XXXX XXXX XXXX under my employer and my account states XXXX XXXX however name address social security all is the same?? For 5 years these people are the worst I speak to 5 different people then ask them are my funds secure? They tell me they dont know? However the first XXXX this happened I spoke to someone who could tell me and not only tell me but got it resolved and my account back open before the letter I sent them probably even arrived then they tell me to call XXXX XXXX at XXXX @ XXXX as if she is bluebird company? I need my money my last two stimulus checks came to this same account with no problem just like my last direct deposits for 5 years was being deposited so they just give you the run around close your account then their website is down its all over the internet and its happening to everybody I stopped my employer deposits from this account once I get my money back this time Im completely done with bluebird forever
Product: Debt collection

Subject : Dispute of Debt Collection Communication from William Power LLC I am writing to inform you of a concerning issue regarding communication I have received from William Power LLC regarding a debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX as evidenced by XXXX XXXX : XXXX, I want to clarify that I have no knowledge of the debt in question. 

Given the circumstances of my situation, it is evident that this debt is not mine, and I request your assistance in resolving this matter promptly to ensure that my rights are protected in accordance with the law. 


Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!! 

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from Experian its ridiculous. Tried through internet for XXXX and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX