23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was advised that XXXX XXXX provided strong enough service to supply my medical office and switch over from XXXX. The day the equipment arrived I plugged it in. I was only getting 25 MB a second when I was told I should be getting over 200. I called the company and return the equipment the very next day and received a refund and disconnect form from the store. Since then Ive got a numerous emails and telephone calls stating that I owe a balance of over {$250.00} for the services Ive used over the span of a month. Acknowledge equipment arrived to their facility and were aware that I was no longer using equipment and my service was disconnected, but still attempting to bill and collect. I just got a collection notice today from a company asked me to pay the remainder of the balance that I shouldnt owe because I never use the services. 

Ive talked to several XXXX employees, including XXXX, who said that they can see my account was disconnected, but not terminated, and as why Im being billed, even though I never use the service. After providing him the paperwork I received from the store and explaining the situation, he said he will put in a request to have the bill dropped And I shouldnt have to worry about it going forward. That was in XXXX and Im still getting collection notices for something I never even used.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts/items are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have made many attempts to reach out to XXXX Credit Bureaus but failed to give me any results or feedback about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank you. Inaccurate Name : XXXX XXXX, Inaccurate Address : XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or deceit. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$94.00} MEDICAL XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received and email asking for the amount of {$150000.00} to finalize the down payment of my house. That same day into Wells Fargo wanting to make a wire transfer to XXXX XXXX XXXX On XX/XX/XXXX my real estate agent XXXX XXXX called me to tell me that that escrow has not received my payment. That same day I let Wells Fargo told me that there had been fraud on my account. They told me the money would be returned in 10-12 day. After that they told me that there would be an investigation the manager XXXX XXXX told me she would be in charge of the investigation but never heard anything back from XXXX where the bank was sent.
Product: Credit card or prepaid card

I had a Credit Line opened with Chase, I had not been late on my Credit card before, I had a Separation and attempting to make my payments. As soon as the first payment was not made, Chase closed my Online access and was not able to continue to make payments. I called numerous times and discuss with CHASE how do you want me to make payments if I do not have access to the account I have establish online? So, time has passed now and the Account has been sold. Chase has violated access to the account to see where payment is being applied to. I have other credit cards that I have and continued to make my payments even thru my hardship. I need help, regarding the Laws to protect consumers from Big Banks cutting access to the account to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in 4 years!!! Please get them to correct my credit report. Experian and the others
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove fraudulent items from my credit file. My name is XXXX XXXX XXXX XXXX. 
, and my social security number is XXXX. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference. 

I first contacted the Credit Bureaus to dispute the presence of fraudulent items on my credit report. These items are inaccurate and needs to be removed. I provided evidence supporting my claim that these items are indeed fraudulent and should be removed from my credit report. 

Despite my repeated attempts, the fraudulent items continue to be listed on my credit report, negatively impacting my creditworthiness. I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration. 

I request that you take immediate action to investigate these fraudulent items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any supporting documentation proving the fraudulent nature of the items in question. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and creditors to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly. 

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the fraudulent items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed fraudulent items once the investigation is completed. I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My contract was up and I canceled my service. I never agree to pay more for my service. I never agree or singed any contract. I want proof of debt and proof of agreement or signature. 
Date XXXX Balance. {$290.00} 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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.
Product: Credit reporting or other personal consumer reports

This correspondence serves as a formal dispute of the collection account reported by XXXX XXXX XXXX under Account # XXXX. I contest the accuracy and legitimacy of this account and assert my rights under federal law, including but not limited to the provisions of 15 USC 6802 and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

I demand that you conduct a comprehensive investigation into this matter and provide explicit documentation substantiating the validity of this debt. To facilitate this investigation, I am requesting the following documentation be obtained from XXXX XXXX XXXX and reviewed as part of your process : Proof of authorization under 15 USC 1692 ( e ) and ( f ) to collect this alleged debt.

The legal basis for collecting this debt, including relevant state and federal statutes. 
Proof of XXXXXXXX XXXX XXXX  authorization to conduct debt collection activities in my state, including a copy of their business license or equivalent authorization. 
Concrete evidence of the alleged debt, including any contracts, agreements, or other documentation bearing my signature that binds me to this obligation. 
A complete account history, detailing all charges, credits, payments, and adjustments related to this account. 
I remind you that as a consumer reporting agency, you are legally obligated under the FCRA to ensure the information you report is accurate and verifiable. If XXXXXXXX XXXX XXXXXXXX fails to provide sufficient documentation to validate this debt, you are required by law to delete this account from my credit report immediately. 

Additionally, I request a written confirmation of the results of your investigation, as well as an updated credit report reflecting any necessary changes. Failure to comply with these legal requirements could result in further action to enforce my rights under the FCRA and other applicable laws.
Product: Mortgage

I 've been requesting a mortgage modification with the mortgage company Select Port Folio for several years. I finally received a modification/ assumption I made the first payment XXXX XXXX, 2017. I recently received correspondence from SPS stating they had not received my signed modification documents of which was sent back to them XXXX next day delivery.ThXXXX invoice for associations dues was forwarded to SPS and requested to be paid current as a part of the assumption/ modification. I have been given the run around with this mortgage company. I would appreciate your immediate attention in this urgent matter. Correspondence was also recently received stating they were referring my home to foreclosure as a result of the delinquency. They also stated they would not be applying funds received in the amount of {$2100.00} to the account. I would appreciate your immediate attention in this urgent matter. We also spoke with several SPS relationship managers I was informed I had to take Hud Credit Counseling. I 've owned several homes mortgages were always current. My ex-husband was responsible for the mortgage and he never paid it. See Attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO TAKE MEDICAL HELP, I DON'T RECOGNIZE THIS ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized hard inquiry conducted by XXXX XXXX XXXX XXXX XXXX credit report dated XX/XX/year>. This inquiry was made without my authorization or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

Under the FCRA, creditors must have express consent or a legitimate purpose to access a consumer 's credit report. I did not apply for credit or XXXX XXXX XXXX XXXX XXXX XXXX this inquiry. As a result, this action has negatively affected my credit profile and constitutes a violation of my rights. 

I respectfully request that XXXX XXXX XXXX remove this inquiry from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX. Please provide confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

While living in Florida, I purchased a XXXX XXXXXXXX XXXX VIN XXXX, and financed via Nissan Motor Acceptance XXXX ( NMAC ), account number XXXX XXXX XXXX XXXX XXXX. The loan was paid off on XX/XX/XXXX, and NMAC released to lien to the Florida DMV on XX/XX/XXXX. 

On XX/XX/XXXX, we purchased an additional XXXX ( XXXX ) XXXX XXXX, account number XXXX, in California, where we now live and financed through NMAC. On XX/XX/XXXX, NMAC incorrectly placed the lien on the XXXX XXXX XXXX that had already been paid off in California instead of the new XXXX XXXX. They mixed up the VIN numbers. 

On XX/XX/XXXX, the XXXX XXXX XXXX was in an accident in which it was a total loss. Because NMAC placed a lien on this vehicle incorrectly, we can not be paid for the value of the car from insurance. This is an egregious error on the part of NMAC, and we want them to release the lien on the XXXX XXXX XXXX immediately so we can be compensated for our totaled vehicle. We have been in contact with them, and they assured us they fixed it, but the lien has not been released in California. They must release this incorrect lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX keeps calling my work with robocall saying I was a person of interest. At one point a live person left a message that I was accussed of fraud.
Product: Debt collection

This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.
Product: Debt collection

I received correspondence from a company named XXXX XXXX XXXX  ( XXXX  ) about a {$650.00} debt on XX/XX/2020. XXXX  stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX  a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX  sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX  has not responded to my request for proper debt validation either that was dated for XX/XX/2020. 

LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's. 

Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that is being reported on my credit file with transunion. I enclosed documentation advising XXXX has removed the information from their files and is not reporting on their file they maintain on me. I also included in my correspondence with them that the letter from the US Bankruptcy Court Northern District that they do not perform any activites with the credit bureaus which include verification/validation of the file. After submitting all the information and disputing the file that Transunion maintains, they continue to " verify '' the record on my credit file. I requested the means to which they verify their information, and informaed them I do not consent to any electronic verification, they still refuse to furnish the information to me as how they verified this record. 
Their failure to furnish me the verification meathod and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to both XXXX  and Equifax bureaus that my bankruptcy is reporting inaccurate information. The date filed is inaccurate ( one says XX/XX/11 and one says XX/XX/11 as well as the court name ( one says federal and the other says us bkpt ct il XXXX ) when both should be consistent thru all credit reporting agencies. I have asked them to remove it over 4 letters that I have sent them and they responded saying its verified as accurate which is not true.