23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX years ago, I had an issue with a Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) Paid in full, not allowed in. 

Next year received certified mail " NOTICE OF INTENT TO FORECLOSE LIEN '' even though paid. I filed a XXXX complaint. Nothing happened.Then XXXX years later again still not allowed in, so I had attorney XXXX XXXX from XXXX send them a letter, a payment for the amount XXXX asked for, and to contact him if there is a problem. Fortunately I still have a copy of that letter. There was a big problem. Paid in full by attorney, still not let in. 

XXXX years later, no contact to XXXX XXXX or myself, they send a huge bill through a collection agency, Pinnacle Recovery Inc, XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX I stopped in to see XXXX XXXX to discover he passed away last XXXX, but spoke to his partner, Atty XXXX XXXX, who provided me with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limitation. 

I sent reply by mail and email to Pinnacle with that document attached, and no reply for a few weeks. 

XX/XX/XXXX, they sent email telling me that XXXX will accept {$15000.00} to them, a reduced amount, to terminate all rights and interests in original contract. by XX/XX/XXXX. I again contacted XXXX XXXX, but she sent the following response : XXXX : You are correct that there is a XXXX year statute of limitations to sue you for money damages, but it looks like they've been adding these on continually to date. My advice is to reach out to a service that helps you in cancelling a timeshare so that they can deal with this for you once and for all. 

This is not an area of law I have any knowledge of, and am not able to assist you in this matter. 

XXXX XXXX, XXXX In talking to XXXX XXXX XXXX XXXX Washington DC, was given referrals to XXXX XXXX XXXX XXXX, understanding that Statute XXXX applies, that perhaps billing for quit claim is valid. My main problem is do not have an attorney yet for XX/XX/year> deadline Pinnacle asks for. Thank you. - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!
Product: Credit reporting or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts on my credit report and I have no clue why they appeared. I check my credit regularly, and everything was fine until now. I even tried refreshing the browser, thinking it might be a glitch, but unfortunately, the wrong accounts are still there. Im asking for a detailed review of the documents Ive sent to make sure I wont have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report Number : XXXX FTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I believe this is a collection company which I have already spoken with about a debt, they are continuing to call multiple times a day on both my home and cell phone. I have asked them to stop calling my cell phone three times now and I just received another call. Noone is there when I answer and it disconnects. 
They have tried to call my cell phone XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX ( this was when I asked them to stop calling my cell phone ) XX/XX/XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to find out that I have been a victim of identity theft. I found a fraudulent collection closed account on my credit report that was not open by me. This was been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent closed collection account from my credit report as soon as possible please. XXXX  XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX. Date opened XX/XX/year>. XXXX {$2400.00}, Account number XXXX. I am also attaching my Driver license, Social security card, utility bill and identity theft report. Thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX CARD - XX/XX/XXXX XXXX  CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal has violated FCBA by illegally assessing fees after claiming there would be none.
Product: Mortgage

XXXX XXXX ( NMLS ID XXXX ) put a hard inquiry into my account without my consent. She misinformed me on rates for an investment property refinance then pulled credit without my consent. After multiple times telling her I wanted cash-out to refinance she quoted me the rate of the regular refinances which has a lower rate. The other was substantially higher. She also tried to charge me their {$500.00} fee as well. She was just trying to push me through the process and did not listen or do any diligence to ensure she was doing the right thing. Her manager is XXXX XXXX XXXX XXXX Manager| NMLS ID XXXX| XXXX. Poorly run area. Have had many issues with them. They also demonstrate discriminatory practices and I recommend someone ( not JP Chase ) reach out to me so I can explain. They need to be audited on something as I am sure of wrongdoing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXX XXXX XXXX v. XXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX v. XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX handles XXXX XXXX XXXX Credit Card holders accounts. XXXX XXXX has charged me several Late Payments ( {$37.00} ) in the short time I've had a XXXX XXXX XXXX Credit Card. When I receive a XXXX XXXX XXXX statement, it only allows check by mail. When I call XXXX to make a payment, their automated system only only allows check by phone. If I'm late for a payment and call XXXX, I'm transferred to a XXXX XXXX live person and I'm allowed to use my MasterCard/Debit Card to make a payment. I found out from a " live person '' in XXXX that I could've used my MasterCard/Debit Card for my payments every month, all I needed to do was talk to a " live person ''. It seems like this information was withheld from me. I've also tried to make a payment using my XXXX XXXX XXXX Account ( XXXX ) to make a payment to my XXXX XXXX XXXX Account and it was rejected by XXXX XXXX. Although my XXXX XXXX XXXX had ( has ) a routing number and checking account number attached to it and the money for that payment was in that account. I was not immediately aware that XXXX XXXX   rejected the payment from my XXXX account causing another late Payment Fee of {$37.00}. These problems have XXXX  my XXXX XXXX XXXX Credit Card Account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have asked these companys to investigate items on my report way before I came to you for help. I feel that XXXX, XXXX, and equafax are dragging there feet on a resolution to the issues I raised concern about. As a citizen by birth in this country, why is it okay for my identity to be stolen by others and the same companies my tax dollars subsidize cant seem to get to work on my behalf? I deserve a fair share are good credit and these issues have continued to tarnish my name have held me back from obtain a loan, or a credit card that I actually apply for. XXXX, and equafax, have not even updated my credit report sense XXXX XXXX. Why is that? all lenders are seeing these accounts that are not mine or and accounts that have been settled or removed by another reporting companys are still on there report. There are so many inquiries on these two ( Equafax, and XXXX ) that I would be here half a day trying to figure out who they are!
Product: Credit reporting, credit repair services, or other personal consumer reports

Several things that are not mine are on my report, including a mortgage for something I've never heard of.
Product: Student loan

About XXXX XXXX, XXXX I applied for the REPAYE plan with Mohela to begin immediately, while I wait for a decision on my XXXX XXXX application with XXXX. Instead of my REPAYE plan beginning asap as requested, I am currently on General Forbearance until XXXX XXXX, XXXX, Mohela states my REPAYE plan wo n't begin until XXXX XXXX, XXXX and put me on Administrative Forbearance from XXXX XXXX - XXXX XXXX, XXXX. When I asked Mohela why I was no put immediately on the REPAYE plan they stated that the Board of Education controls the date. I would like to be put on the REPAYE plan immediately as requested on my application, while I wait for a decision from XXXX regarding my XXXX application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, XXXX and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and Experian are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.
Product: Debt collection

I had a XXXX  account in Texas. I returned the equipment to XXXX and received an invoice. I was told by XXXX Collections, that there is no more debt, the debt was almost 4 years ago. I do not owe anything to them, actually have a new account. This company XXXX and XXXX have been texting and sending me messages for the past year, even after I showed proof of XXXX debt with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my creditors were reporting inaccurate information to the credit burials. I learned this when my loan officer gave me a copy of my credit report. I have been contacting with no luck in getting the problem resolve.
Product: Credit card

account : Barclays XX/XX/XXXX this account was opened fraud under my name I've reached out numerous times to Barclays to dispute transaction and to close account due to fraud activity under my name. An investigation was opened and recently received a letter from Barclays XX/XX/XXXX saying that I am still liable for this account. I just added credit monitoring service to my credit to avoid this in the future
Product: Debt collection

I have a collection account listed on my credit reports by a debt Collection Agency, KLS FINANCIAL SERVICES, collecting on behalf of XXXX XXXX XXXX XXXX XXXX KLS FINANCIAL SERVICES, is not licensed to collect in the state of Florida and therefore I am disputing this collection account. Their license expired in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been harassing me for over 2 years straight day and night. Calling me at all kind of weird times of the day. They've threatened me over the phone with the outcome of my credit being tarnished. They are unable to provide me with validation of this debt these accounts have been reporting CO for years without validation further destroying my credit report and under. I gave company 30 days to validate this and send over license information they haven't sent over ANYTHING. NEW YORK STATE CONSUMER LAW : XXXX XXXX XXXXXXXX debt collection laws and regulations are among the strongest in the country. A creditor MUST PROVIDE! 

Must provide you with specific information if you ask them to verify a debt that is, to confirm that the debt is valid. 
Must be licensed as debt collectors by the NYC Department of Consumer Affairs. 
May not call you more than twice a week about a debt. 
Must confirm any settlement agreement with you in writing within five business days. 
Must disclose certain information to you if they try to collect on a debt that is past the statute of limitations. 

They haven't done any of these things. They've made me paranoid about my credit report. I asked them to please provide proof of this debt through a credit agreement or debt validation letter, master promissory note. They only provided me with payment history. This is not proof of agreement nor a validation of ownership. This company isn't even licensed in New York state and NY Consumer Law states unlicensed companies may not collect here. This is harassment and gross negligence on not providing any proof of this account but also still calling and sending me letters after i requested to not be contacted anymore either. this has also been affecting me for to long. 

as a XXXX  resident We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. - 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; use of obscene or profane language ; and repeated phone calls made with the intent to annoy, abuse, or harass. 

they also provide these phony license numbers on there website and letters NONE OF THEM POP UP when searched. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Worker Protection License Numbers : ( DCA ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit card

On XX/XX/year> I took a private taxi from hotel in XXXX XXXX XXXX XXXX to the airport. The agreed price was {$46.00} USD. At the end of the ride, the driver had me scan my credit card using a reader attached to his phone. He showed me the agreed price of {$46.00} USD in the XXXX peso equivalent before charging my card. However the initial card I used was being declined due to this being an unrecognized foreign transaction. This happened twice, so I switched cards. The first 2 times the driver showed me the price, but the last time he did not. I am not sure if it was intentional or a mistake by the driver as he was rushing, but he charged my card {$460.00} USD for the taxi ride, adding an extra digit to the end of the charge. This time using the second card, the charge was accepted the first time and the payment processed. I did not realize until in the airport when connected to WiFi of the charged amount. When I disputed the claim with my credit card company, and provided the screenshot proof of the original declined transaction they said they can not issue me a credit due to it being not enough proof. I was told to contact the merchant, however it was a taxi, not uber and I had no way of identifying the driver or company. My logic is, I am providing the declined charge message from the initial attempt showing the agreed price that was attempted to be charged. However my card was not charged that amount. All I want to do is pay the agreed amount that I was originally charged had it not been declined. Since this was in a foreign country, with a language barrier I was unable to get more documentation. I reopened the dispute with the credit card company, and wrote them a letter with a printout of the screenshot showing the dispute charge and I received another denial letter from them one month later. The credit card company in question is JetBlue Mastercard, which is unfortunate due to my loyalty to JetBlue for my travels.
Product: Debt collection

State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.