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

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from XXXX  and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Debt collection

XXXX XXXX XXXX, Added an account that has been handled through my Chapter XXXX Bankruptcy, but yet they ave listed this account with all 3 credit agencies as open. This debt is included in my chapter XXXX bankruptcy, it s illegal to list any debt that is included in a chapter XXXX, and list on a creditors file as open. I tried to handle this repeatedly through the 3 credit bureaus and they refuse to verify through my attorney and court.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2018 i sent a certified letter to XXXX XXXX asking them to validate on a account i never received any bills prior to the debt hitting my credit report, the total amount of debt balance is {$2600.00}. It has been over 45 business days and the company has not replied to the certified letter asking for validation that they recived XX/XX/2018. This company has now violated the rules and this debt should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on  XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.
Product: Credit card or prepaid card

The company XXXX tried to sell me XXXX cell phones. One of the phones did not function, and I requested a refund. I order another phone from XXXX, but I found a cheaper price at a local store. So, I cancelled the order, and the phone did not ship. A representative from Capital One suggested I file a claim. Now, Capital One is charging me for the original purchase, since XXXX has issued a refund. 

I am being charged twice for the same phone, and Capital One does not understand.
Product: Debt collection

There was an account opened wit h PayPal.com i n  XXXX  of  XXXX  by someone other than myself I was made aware of it on  XXXX   XXXX ,  XXXX  when my actual account was " limited until we hear from you '', I immediately contacted  PayPal.com  and was made aware of the fraudulent account with a balance owed of {$1100.00} that after several attempts to dispute was deemed to be a valid account, and I would be held responsible for the balance. The only thing on the account that was mine was the social security number the name was incorrect which I uploaded AND faxed  4 ( four ) f orms of ID to verify. The address which I had once lived at when I was very young was no longer correct nor was it correct at the time the account was opened. The email address is unknown to me, yet I am still being held accountable for this debt. The legal department w ith PayPal.com has y et to respond to my Fair Credit Reporting Act ( FCRA ) request for the information that I am entitled to as an identity theft victim which is crucial to me being able to prosecute whoever has done this to me. Be wary of this company they have treated me like a  XXXX   XXXX  refusing to give me information, hanging up on me and stating that I have absolutely no alternative other than to pay this debt that I do not owe.
Product: Payday loan, title loan, or personal loan

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and Florida Attorney General 's Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida State of Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX, XXXX/XXXX   XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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

on the XXXX of XXXX i sent letters to all three credit bureaus ( equifax, XXXX  and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXE ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Product: Vehicle loan or lease

My complaint is against BMW of the XXXX XXXX in XXXX XXXX New York. I feel I was swindled out of my cars that I traded in to purchase another car, One was a XXXX XXXX with XXXX miles on it, and the second was a XXXX XXXX XXXX ( which was my Daughters car ) and it also had a low mileage. However, By misleading advertising and showing me copies of other cars that were going for that price .... ( scamming ) but it was a figfetent car, and werent my car I wasput under stress with two people tryigtoconvince me theywere doingme a great service ..., and they did this to convince me that what they were offering me was the correct price. I didnt recognize the problem until after I made the purchase and I have not been able to communicate with them. They are refusing to answer my phone calls and to set up a meeting to discuss this issue. I have the documents that show the price of the cars that I sold to them well way undervalued. They sold me a car for {$41000.00}. Yet they gave me {$14000.00} for a XXXX  that was only 2 years old, and I paid almost XXXX when I purchased it for my daughter. 
I was showed a false advertisement of another car that value was that amounts. Which they put off on me as if it was my car. They still have it on all mystatements as a XXXX XXXX XXXX, with over XXXX miles on it. And thats where they came up with that number. I was confused, I was rushed, I didnt read everything through because of the pressure I felt I was under. And when I went back to swap back out the deal they refused to even speak to me at that point. I felt I was scammed, swindled, information was ' mis represented t to me. Yet I feel now they are avoiding and ignoring me and refusing to discuss it. So I have tried everything to settle this matter I still have the car I wanted to back out the deal with ; the XXXX. They refused to speak with me in regards to this. So Im asking you for help ... XXXX XXXX telephone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX XXXX : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Debt collection

The credit card company is constantly switching numbers to call me. I block one call it comes through with another number. Today I got a call from : XXXX When I looked up the number in question via XXXX. It came back at this company : XXXX XXXX XXXX The name of the original collection group : Dynamic Recovery Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX they use an email address : XXXX I am getting emails from them as well as constant calls. 


Please make it stop
Product: Debt collection

I got sued for a medical debt. It was turned into a collection agency and I was sued for the amount of money. I did make payment arrangements and paid the amount each month as arranged. I noticed that the amount was not being deducted from my account. I reached out to the company several times to try to resolve the issue. The company never responded and sued me again to have my wages garnished.
Product: Student loan

I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.
Product: Debt collection

I recently procured and reviewed my credit reports from the credit agencies and noticed an inaccurate account listed on my report. I have provided proof under the doctrine of estoppel by silence, as cited in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and therefore presume that no evidence of the alleged debt exists. I hereby request immediate access to the signed disclosures that indicated I granted permission for these accounts. 

I require identification of any information necessary to investigate the disputed information. According to the Fair Credit Reporting Act ( FCRA ), Section 1681c, pertaining to the block of information resulting from identity theft, the only party a debtor is obligated to compensate is one who has suffered a financial injury, executed the original contract, or otherwise lent money. I am unfamiliar with CREDIT CORP SOLUTIONS , Inc. and have no contractual agreements with this entity or any entities from which they may have purchased debt.

My questions to CREDIT CORP SOLUTIONS , Inc. are as follows : Who are you? What loan are you claiming that I received? What evidence do you possess that substantiates this claim? What documentation are you providing? When did you allegedly come into possession of this account? When was this account allegedly created? How could you possibly have personal firsthand knowledge of any events concurrent with the alleged creation of this account? 

Typically, those initiating legal action ( case no. XXXX ) to collect debts are neither original lenders nor parties who have suffered financial injury. Under the conditions set forth by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors do not possess the legal authority to employ remedies available only to creditors who originate loans, such as issuing notices of default, making assignments, or substituting trustees. Third-party debt collectors are limited to pursuing legal action in court for debts they claim are owed.

I question your capacity or standing to initiate legal action against me, and I deny that you are a creditor or anything other than a debt collector with no legitimate financial interest in this alleged contract and who has sustained no monetary harm related to it. Your claims are based on mere hearsay without firsthand, competent witness testimony to support your alleged facts. While debt collection is a legitimate business, debt collectors must adhere to stringent rules for their operations to be lawful.
Product: Credit reporting or other personal consumer reports

I disputed an account listed under XXXX XXXXXXXX XXXX XXXX  on my XXXX, XXXX and Equifax credit report, as I have never conducted business with this company nor authorized any transactions associated with it. Despite submitting my dispute with sufficient documentation, including proof of identity and supporting details, XXXX, XXXX and Equifax. failed to conduct a proper investigation or remove the fraudulent account. 

This account has been negatively impacting my credit report, and XXXX, XXXX and XXXX XXXX lack of action violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements under XXXX XXXX XXXXXXXX, which mandate a reasonable and accurate investigation of disputed items. 

The dispute was initially submitted in XXXX, and I have yet to receive any meaningful response or evidence of verification from XXXX, XXXX and equifax. This lack of action has caused significant XXXX XXXX  and XXXX, as the inaccurate account continues to damage my creditworthiness and financial stability. 

I request that the Consumer Financial Protection Bureau ( CFPB ) hold XXXX, XXXX and Equifax accountable for their failure to comply with FCRA requirements. 
I demand a thorough investigation of the disputed account and the immediate removal of the fraudulent account from my credit report.
Product: Debt collection

I was living at a boarding house at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I moved out on XX/XX/2019 with the understanding the owner, XXXX XXXX, would disconnect the services out of my name and put them into his own name. I relocated to XXXX, FL and never looked back. I signed my new lease on XX/XX/2019. I checked my credit report this week and saw an account from HELVEY & ASSOCIATES IN for XXXX XXXX in the amount of {$290.00}. I am NOT responsible for this debt as I was NOT living in the home, and I can PROVE that I was not living in the home. I am filing an FTC, FCC and FL attorney general complaint about this fraudulent account, fraudulent reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.
Product: Debt collection

I have received a series of emails from " Three Sticks Lending '' to my email address, XXXX and emails are to " XXXX XXXX '' ( my daughter 's name ). 

I called them today and asked them to remove my email address and they had no record of the address. 

I used the " forgot password '' from their website and was able to access the account and download the loan document. 

It has XXXX XXXX as the borrower ( with and old address and old phone number that were hers ) and my email address. 

I then told them I had the loan number and provided it. They said they have to pass me to their fraud department - but they close at XXXX XXXX. They scheduled a call back for tomorrow afternoon.
Product: Credit reporting or other personal consumer reports

I am writing to officially dispute hard inquiries that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry See attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and experian and XXXX  refused to take off the accounts that are not mine. I send them proof and it is still on my account.
Product: Checking or savings account

My wife and I have a joint checking account with Bank of America. My wife and her son also have a joint checking account with Bank of America. These two accounts are separate accounts. My wife 's son has been mishandling their account and it was overdrawn. On XX/XX/2018 Bank of America transferred {$1600.00} from my account to cover the overdraft on their account. Bank of America did not get any authorization from me or my wife to make that transfer. I spoke to a teller at the XXXX XXXX, NJ branch and she said that Bank of America could do this because the accounts were related.