23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding the XXXX XXXX account in the amount of {$11000.00} on my credit report profile. I have sent letters from XX/XX/2021 to XX/XX/2021 asking for physical documents/contracts as proof that they lawfully and legally placed this account on my credit report profile. By law and stated in their correspondence, they will provide the method that was use to verify accounts. I asked for the method of verification that was used, and they did not disclose the method that was used, and refuse to remove the account from my credit report profile. It is clear that Equifax has unlawfully and illegally placed this unverifiable account on my credit profile, and I want this account removed from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

I have not been able to get my money back or nothing i dont even see how you can even dispute
Product: Vehicle loan or lease

I recently got a copy of my Credit Report and noticed that in XX/XX/2018 Toyota marked me as being late. Toyota also somehow took me off of autopay without even notifying me. They also didn't notify me prior to inserting this information that gives no regard for accuracy. I am requesting that Toyota not  contact me by telephone and communicate by USPS mail only. I am also represented. I have attached to this complaint a copy of the inaccurate Credit Reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries have been made without my authorization. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$8300.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.
Product: Money transfer, virtual currency, or money service

While on XXXX, the company owner sent me a message and invited me to play some online games. I was told that that would be a fee and that I had to send it to their cash app. They kept sending random other peoples cash app and when the game was not Sent to me to install on my computer. I requested a refund because I didnt receive anything from them. I was making a purchase for a game and they did not provide the game. They did not deliver the software. After requesting my money back, the cash app user blocked me, I did not receive any goods or services from this purchase. I have screenshots of the whole conversation through XXXX messenger cash app is not willing to help me recover my funds, and neither is my bank. Nonetheless, if thats not recovered, cash app needs to shut that user down that user is impersonating a company and scamming a lot of other people Im sure of.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I had applied and received a loan for {$500.00} from Speedy Cash online. I went about my week thinking I had funds in my bank to cover overdrafting my account and then I saw my account at XXXX. On XX/XX/2021 the funds were withdrawn from my account, and also accrued 6 overdraft fees for payments that were supposed to be covered by my loan. I called Speedy Cash support and they told me that they don't see anything in their system that they took my money. I called my bank and they said there is nothing they can do because I have to handle it with the merchant. I sent bank account statements with activity and still waiting from Speedy Cash to resolve the issue. Meanwhile I am accruing penalty fees from Speedy Cash for a loan they gave me and took back. I am behind on my bills and very frustrated with this whole process.
Product: Debt collection

Midland Credit Management did not inform me of any written issues until I had been garnished. And I had contact my employer to get information about the issue. They have a judgment against me for. From a XXXX utility account I never had. And XXXX has no current records of in my name or social security number. I did not make this account and the company they said they are collecting for has no records of such a bill or accounting in regards to me. 
Any collected funds should be returned. With penalty of harms caused by such a false claim. Enforced with no notification to said persons effected by monitory harm of collecting non owed funds. To which the company these funds where collected for show no such bill. Midland credit management should no longer seek such payments. With further proofs that I can obtain from the offended party XXXX. As their representation states no such past due balance.
Product: Credit reporting or other personal consumer reports

I am file a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report despite my submissions Equifax consistent response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violate the fair credit reporting at 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted it in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX DEPT OF EDUCATION/XXXX - Account Number:XXXX DEPT OF ED/XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Phone : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection accounts listed below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

XXXX  v. XXXX XXXX XXXX. XXXX  ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation - Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed. 

Immediate Deletion : If you can not fully validate this debt, remove it from XXXX, XXXX, and Equifax immediately. 

Accounts to Be Validated and Addressed : XXXX XXXX XXXX Account No. : XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) - Account No. : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) - Account No. : XXXX XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) - Account No. : XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX - Account XXXX. : XXXX XXXX  / XXXX  - Account No. : XXXXXXXX XXXX XXXX XXXX  - Account No. : XXXX XXXX XXXX - Account No. : XXXX XXXX - Account XXXX. : XXXX XXXX - Account XXXX. : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) - Account No. : XXXX Unauthorized Inquiries to Be Removed : The following inquiries were unauthorized and must be removed from my credit file immediately : XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX - XX/XX/XXXX XXXX  - XX/XX/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  - XX/XX/XXXX Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 

XXXX XXXX XXXX
Product: Mortgage

1 ) State Farm bank is over charging me on my month payments amount I pay my own property taxes and insurance. 
There is a escrow account for flood insurance which is XXXX a year Flood insurance account is all the escrow account was set up for. 
They just paid the flood insurance the escrow account has a balance of {$3400.00} currently Loan amount {$400.00}. At 4.5 % =. {$2000.00} amount XXXX divided by 12 =XXXX So my payment should be around {$2200.00} a month it is {$2400.00} 2 )  They added two XXXX  inspection fee They told me this was the make sure the property was not abandon we live there the pass 15 year We have never been late on a loan payment. 

3 ) we had the same property insurance for 15 year they always CC me when they send the XXXX XXXX certificate out But State Farm in the 4 year they been our mortgage service provider They aways claim. they did get it even when you send it to the address Email address, and fax number they provide
Product: Credit card or prepaid card

I had fraud on my XXXX card from Barclays bank. The total was close to XXXX dollars. There were 82 separate charges from XXXX XXXX on my card on XX/XX/XXXX alone. Barclays did not find this to be unusual for some reason so they never alerted me nor protected me from this fraud, since I never authorized any of these charges. Barclays initially credited me back XXXX Dollars, but another XXXX, XXXX came in on the replacement card they sent me ; a card I never activated. I alerted Barclays fraud department ( XXXX ) to this continuing fraud and they advised me that they would credit me back the new account. Then things got strange. I received two letter from Barclays dated XXXX the XXXX. One said that I was not responsible for the fraud, therefore I would be credited the entire amount, the other said I was responsible. I contacted their fraud department multiple times, and they advised me To get a hold of XXXX, because they could not, in order to have XXXX prove it was fraud. ( XXXX has no live person you can speak to ). Match tuned to XXXX, fraud Agent XXXX told me that all XXXX XXXX charges would be removed. They were not. Fraud agent XXXX Told me the same thing at the end of XXXX. Nothing. I closed the Barclays account, my XXXX XXXX account and my XXXX account, where I lost all of my XXXX travel points, as they were my favorite airline. Fraud agent XXXX told me The case was still under investigation. Meanwhile, every month my bill comes in with the fraud on it accruing interest. They demand payment every month and refuse to help me. The number is close to XXXX XXXX dollars. It is almost XXXX. I contacted Barclays corporate and they refer me to their fraud dept. the Fraud department now doesnt answer because they are supposedly too busy. I filed a complaint with the Florida Attorney General yesterday. To add insult to injury Barclays declared my account past due, which made my credit score drop 40 points. I had no choice but to send them XXXX dollars this week. Earlier this month the same thing started happening to my XXXX XXXX card but their security immediately contacted me and were able to stop it after 10 fraudulent XXXX XXXX purchases. I had no choice but to close that account out of fear. Barclays corporate will not help and they are sending me a fraudulent bill every month. They did not protect my identity and now have negatively impacted my credit. Its been 7 months and I need help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these addresses that do not belong to me, I have never lived at any of these addresses : 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 Please also remove all employment information as I am not working.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

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

In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to Trans Union, XXXX, XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The 10 year old account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my TransUnion report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my Transunion report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted Transunion numerous times regarding this situation but have always gotten sent back to XXXX XXXX with no success, and my good standing 10 year old account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the Transunion report. This document also shares the Transunion File Number.
Product: Credit card

About a year ago, XXXX Citi card gave me a promotional offer to increase my points. I didn't realize that by agreeing to the offer, I was enrolled in a paperless statement system. 
I didn't see the statements in my email box so I called the company to request that they resume sending paper statements. Instead, they mailed me old copies of previous months statements. They did NOT restart sending paper statements. 

I put this card away because the communication with them was TERRIBLE. ( Hold/wait times, talking to people in XXXX with very bad connections and only marginal skills in XXXX. ) I finally gave up. I called and paid whatever the balance was that they said that I owed. ON THE SAME DAY, I closed this account. 

Most recently, they started sending more " past due balance '' emails BUT NO STATEMENT. I called once again to tell them that I had paid the bill in full and closed the account. AGAIN, I spent XXXX minutes on the phone with XXXX people. They had to transfer me XXXX times to a " supervisor. '' Multiple times I tried to explain the reason that I did not feel that I owed them anything else and that I wasn't going to pay any " late fees '' that were assessed AFTER I had closed the account. Multiple times I told the agent that I could barely hear him because of the terrible connection. The combination of bad XXXX and terrible connection left me completely frustrated. I told him VERY clearly that I would not pay this balance and that I wanted to appeal their charges. He could not ( or would not ) try to understand my explanation.
Product: Debt collection

VALIDATION AND CEASE AND DESIST CKS Prime Investment LLC XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXXXXXX XXXX, NJ XXXX XXXX, Ga XXXX XX/XX/year> Amount {$390.00} I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Student loan

On XX/XX/23 l sent an online payment of {$2700.00} to pay off my loan. Later that day they reversed my payment. On XX/XX/23 l attempted to pay my off the balance again. They reversed the payment again and charged me interest of {$5.00}. I called and emailed and they never responded. I again tried to pay my loan of {$2700.00} again it was reversed and charged me {$9.00} in interest. I dont feel l should be charged interest when I paid before it was due. This loan was on payment pause. Today, XX/XX/23 l sent a cashiers check and sent it through certified mail. I dont know why they are not accepting payment and I cant get a hold of anyone. Please help resolve this issue. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX I received an alert from credit monitoring service that there had been a new hard inquiry on my credit report. This was definitely not me. I reached out to the company, XXXX, formerly known as Lendify Financial. I spoke with a young lady on the phone. I was told there is no fraud department I can speak with but gave me an email I could reach out to. She took no personal information from me so that she could look into this. Just my name and phone number. I emailed the company email she gave me and am receiving no response. I called back and was told the same story, no one i can speak to about this fraudulent action against me and that I needed to send an email.