23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SPRING OAKS CAPITAL LLC account with a balance of {$470.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit card or prepaid card

i had unauthorize purchase made on my BANK OF AMERICA EDD PREPAID CARD, as soon as i found out about this, ,i contacted the bank, file the claim back in XX/XX/2021,,, the claim i file was for {$1600.00}, ,but the person who took my claim file it for {$14000.00} wich i call them an reported the error,,, well aperantly my claim got decline for thtat amount, so i have to re summit the claim with the right amount an basicaly they bein having me call evry week an file it again an again, ,an they still have not giving me the money that it was taken from me... just like it was me who bein callin them an reporting the unauthorize purchases on my card.but is like they bein making me go thru loops, ,an id gotten me nowhere with this people, ,i read on the their policy about tempory credit an in have not bein treated fair, ,i bein victimized by the person or persons who use my card an bein victimize by bank of america who has not invistigate my claim an living me with zero,, with no money an bein unemplyed cause of covid..
Product: Checking or savings account

On Thursday XX/XX/XXXX I made a deposit into my bank account for a check from the Department of Treasury for a total amount of {$12000.00} the next day the Key bank said that the check was verified and I had an available amount of {$12000.00}. So over the weekend the funds was being spend and allocated. On Monday XX/XX/XXXX I go to make a withdrawn and they put a hold on my funds. They said the amount was a large amount and they wanted me to wait funds to be deposited. They refused to release my money to me and effected business decision that I made based off them originally saying that funds were available. 

They are in violation of many consumer laws and federal codes.
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this problem resolved with TransUnion, XXXX, and XXXX concerning erroneous and inaccurate items on my consumer report to no avail. TransUnion has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. 
The following accounts continue to show up on my consumer report month after month : U S DEPT OF EDXXXX Account XXXX XXXX and XXXX  Account # XXXX. XXXX XXXXXXXX XXXX Account # XXXX and US OF ED ( Original Creditor : XXXX XXXX  ) Account # XXXX These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to dispute this issue with letters and have not gotten a response. No legal proof of the debt to the collection agency have been provided.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

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

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an independent contractor for this company. I discontinued my relationship because they didn't offer what was advertised and demonstrated misleading, and in my opinion, unsound contractual/managerial tactics. In addition, the marketing platform they provided via XXXX Search misinterpreted my services and was suggestive in nature. I sent an e-mail to their marketing department to remove my name from XXXX XXXX, but it was not completely done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX. XXXX - XXXX XXXX XXXX Equifax  / XXXX. XXXX - XXXX  - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXX. XXXX - XXXX XXXX XXXXXX/XX/2021 Equifax / XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX / -- 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: Bank account or service

Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting

Sent dispute to Equifax on XX/XX/XXXX. As of XX/XX/XXXX dispute was " pending '' Contacted Equifax and received conflicting information. An agent named XXXX stated " Equifax can take as long as they need to investigate a dispute. ''
Product: Credit card

Several charges were posted against my Citi credit card ( ending in XXXX ). These include : XXXX # XXXX XXXX XXXX DE, for {$100.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX I reported these as invalid/fraudulent on or about XXXX The card was cancelled and another one was issued ( current account ending XXXX ) After review I received notification from Citicards that 4 purchases were chip enable and since my card was not out of my possession these are not fraud. I have had this investigation reopened 2 times and am advise that it can not be reopened a fourth time. 
These charges probably represent gas purchases from the subject vendors and should have been flagged as suspicious. I do not believe I have been to those vendors in the past. I have certainly not been to them in several years. Furthermore I believe Citi is in error or deceptive stating the charges were chip enabled. Unless it is possible to counterfeit the chip technology there is no way that the charges could have chip enabled as the cards were in mine and my wife 's possession before and after those charges were encountered. Lastly Citi has not provided evidence that the charges were chip enabled, nor advised me of the time the charges occurred or if it mine or my wife 's card. At this time I don't have any of the needed information to refute there claims and the card is not providing the advertised fraud protection.
Product: Student loan

During the period from XX/XX/XXXX to XX/XX/XXXXNavient incorrectly applied my payments so that I was paying interest which should have been subsidized by the Federal Government. I filed a complaint with the Department of Education in XX/XX/XXXX, several weeks went by without resolution. I filed a second complaint with the Department of Education and a third complaint with the CFPB. Several days after filing the second and third complaints, Navient sent a letter, case # XXXX, admitting they had misallocated my payments and saying the amount of the subsidized interest that I had paid would be credited back to me in early XXXX. I contacted XXXX XXXX, my " Customer Advocate '' at Navient in early XXXX. XXXX XXXX was unable to tell me why the money had not been credited to my account. She was also unable to tell me when it would be credited to my account, or how much subsidized interest I had paid ; in Navient 's current online system, payments made by the Department of Education are not identified so I be sure how much subsidized interest I paid by looking at my account online. I have been diligently contacting XXXX XXXX weekly since the beginning of XXXX, but she has not been able to give me any information. It does not appear XXXX XXXX is looking into my case, or that Navient has any intention to resolve this issue.
Product: Debt collection

simons still has not cleared credit files of collection attempts on my reports as per client all should be removed see attached
Product: Debt collection

Credence Resource Mana filed a collections claim on my credit report in XXXX, 2020. Credence somehow acquired a delinquent account from XXXX that had my name on it. This account was created under my name but I knew nothing about it. I have been a victim of identity theft and I have been having issues like this for several years. I filed a dispute with a credit bureau ( s ) and I discussed the situation with a Credence representative. Credence mailed me a fraud packet and I filled it out and sent it back with  supporting documentation. The delinquent account was then removed from my credit report. Today ( XX/XX/2020 ), I discover that XXXX XXXX XXXX has filed another collections claim on my credit report for the same amount and again from XXXX. I called XXXX and explained the situation and they told me they have no record of my dispute or fraud packet and that I am going to have to go through he same process again with a fraud packet, etc. It appears to me that when Credence could not collect the debt because of fraud, they sold the account to XXXX. I am concerned this will never end and that XXXX will sell the delinquent account to a different company after they receive my fraud packet.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit card or prepaid card

XX/XX/XXXX purchased flight ticket for {$2100.00}. The card is in my wife 's name, I am on the account. XX/XX/XXXX, XXXX  discovered a XXXX XXXX, XXXX and advised I not travel. Filed reimbursement claim with credit card company per their Trip Cancellation/Interruption Benefit. I supplied all documents requested and for the next 3 months continued to supply just one more document for 6 different requests. Such as, proof of purchase with their card, proof of purchase with their travel service, proof of no claim to airline, proof ticket had no value, proof of tax refund from airline all these requests interspersed with phone calls from me. Finally XX/XX/XXXX I received a check for {$100.00}. I called them and amazingly the first person I talked to examined the file and agreed a mistake had been made and they owed me more money. He would call me back that afternoon. He didn't. 5 weeks go by with me calling them each week asking the status. Finally they told me they were just a 3rd party and couldn't pay until the credit card company agreed and that they had sent them an email asking for resolution of the error. On the last call, XX/XX/XXXX, they claimed they still had not gotten an answer to their email and I suggested they pick up the telephone and call them. The lady said she would have me an answer by the close of business on XX/XX/XXXX and would call me, I verified they had my phone number ... she didn't call.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Im reaching out because Ive discovered some serious issues involving the potential misuse of my personal information, and I need LexisNexis to take immediate action to address this.

Under 15 U.S.C. 1681 ( b ) ( 2 ), consumer reporting agencies like LexisNexis are only allowed to share consumer reports with explicit written instructions from the person in question. I did not authorize the use or release of my information. If my data was accessed or shared in violation of this law, thats a serious breach.

On top of that, 15 U.S.C. 1681 ( q ) makes it crystal clear : anyone who knowingly obtains consumer information under false pretenses can face fines, jail time, or both. If this happened with my file, I want a full explanation of how, when, and to whom my information was disclosed.

Lets not forget 18 U.S.C. 1028A, which lays out additional penalties for aggravated identity theftusing someone elses identity without legal authority, often tied to other criminal activities. If my information has been misused this way, I expect LexisNexis to assist in holding the responsible parties accountable.

Finally, under 15 U.S.C. 1681 ( c ) ( 2 ), youre required to block any fraudulent information in my consumer file related to identity theft within four business days of receiving the proper documentation. Please let me know whats needed to process this so I can get it to you right away.

This is a serious matter, and I expect a prompt response. Within 15 business days, I want written confirmation of what actions LexisNexis is taking to resolve this. If further documentation is required, let me know immediately.

If I dont hear back or if these concerns arent adequately addressed, XXXX have no choice but to explore other remedies, including filing complaints with the FTC and pursuing legal action. 

I trust youll take the appropriate steps to resolve this quickly. Feel free to contact me at XXXX.
Product: Debt collection

I have tryed to call with no avail getting a answering service. 
Im getting the run-around pushing this pushing that button. I'm trying to dispute something on my credit. I have documents and it will not let me upload them, I don't know what to do. 
I don't know what to do otherwise, this company has offered me a settlement and now it shows that they're still charging me a XXXX. I have worked very hard to get my credit back to where I need it, we have took out a second mortgage on our home to pay off all of our debts. Our lender worked very hard for us our find all of our debts. This particular charge was not anywhere to be found at the time which would have been last XXXX, I did not get any papers in the mail as I have lived in XXXX XXXX since XXXX. I have also gotten remarried since XXXX. My name changed from XXXX to XXXX. 
When I did see this debt on there I was totally shocked, that's why I said I had no knowledge of it when I did end up calling a company they told me what it was it was something I had actually co-signed on for somebody several years ago so I had completely forgot about. Had I known I would have taken care of it along with the refinance. 
Also talking to the company they said they had sent something out to my email which I hadn't gotten, she said it may have went to my spam. So I did end up making a settlement with the company and arrangements for payments for XXXX. I did check my spam mail and I found the emails they did offer me a settlements in the emails which was actually less than I settled for when I talk to them. I am now paid off from them but the balance is still showing I owe and derogatory, I would appreciate it if you could please look into this as I have worked very hard to get my credit clean. I also have one for XXXX XXXX  that should not be on there that was paid that they posted and look into it should have came off because that was paid with our home loan and I was wondering if they could please take that off. I'm not sure if I'm emailing this to the right Department but if you could please help me direct it to the right Department I'm going to try to send the document that I have because I'm at a loss I have no clue where to go or how to get help where supposed to go this company is of no help. 
Thank you I would very much appreciate it. 

Nelson Cruz and Associates their reference # XXXX XXXX XXXX  report # XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX Sent from the all new XXXX XXXX for XXXX
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX, Im a consumer card holder of the EPPICCard this card in particular gives my family XXXX XXXX which helps me take care of my children, however my card was comprised on XX/XX/2019, my starting balance was XXXXas of XX/XX/2019 I used my EPPICdebit card for some purchases to pay some bills, in the amount of XXXX, Which left My EPPIC card balance as XX/XX/2019, XXXX. If added together the amount would would be the same exact amount from the beginning of the EPPICCARD, as of XX/XX/2019 my card had been completely compromised the amount left on my card was ONLY XXXX, My EPPIC CARD was lost in XX/XX/XXXX also, they replaced the the card But not the money lost on the card, After being denied the funds not returned to my card So I did my own advocacy and research on behalf of my children and self, I understand that I am not the only consumer that has had fraudulent reports for the EPPICCard merchants, current management company has been fradulent reports to EPPIC Card consumers. This called Bambozzled, you can research on EPPIC CARD Complaints.com. Thank you for considering my complaint. I only been waiting for my XXXX XXXX   payment for over 21 years, now it has been compromised, and no one is willing t