23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Debt collection

They repeatedly call and harass me when I have expressed a desire to work with them but I need a reasonable amount of time to make reasonable payments. They are coy, refuse to identify themselves, and are generally threatening and harassing. I am willing to work with someone reasonable but they are acting like thugs.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am submitting a complaint regarding Portfolio Recovery Associates for their failure to validate a debt they reported on my credit. This account, listed as a closed collection/charge-off with a balance of {$1100.00}, is negatively impacting my credit report. 

Account Information : Creditor : Portfolio Recovery Associates Account Number : XXXX Balance Owed : ** {$1100.00} Summary of Issue : I have never done business with Portfolio Recovery Associates XXXX nor have I received validation or documentation to confirm this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification, and without validation, I can not confirm my liability for this account. 


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

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit card or prepaid card

XX/XX/31, I called Direct Express ( COMERICA BANK ), spoke with two men, and the same day and following day I could no longer get access to my money. Everytime I've called the same number since then, XXXX XXXX XXXX XXXX the customer service person has told me lies, arrogantly refusing to answer questions regarding what happened, and giving me different mandates, such as going into a " local office, '' as the " only way, '' I can use my card. I told them often that they were keeping my money hostage, and they were consistly indifferent.
Product: Credit reporting or other personal consumer reports

I have sent 2 letters to this company on XX/XX/XXXX and XX/XX/year> asking for a thorough investigation of the inaccurate disputed accounts listed on both letters sent out. This company did not fulfill my request and has only placed " Verified '' as a result with no proof of verification attached to show how these accounts disputed were considered accurately verified. With these results, it is obvious there was no thorough investigation done.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally address an urgent issue regarding a vehicle I purchased on XX/XX/year>, from a man named XXXX, whom I found on XXXX XXXX. He sold me the vehicle with a title that indicates it had been repossessed, listing XXXX and her husband as previous owners. However, it appears this sale was conducted illegally, as the title was never properly transferred out of the names of the original owners or North State Acceptance. 

After purchasing the car, I experienced significant electrical problems and engine issues, which made the vehicle unsafe for driving. When I contacted the previous owners, XXXX and her husband, they informed me that they were unaware of the vehicle 's sale and that it had been repossessed due to these ongoing issues. This raised serious concerns about the legality of the sale I participated in. 

Upon reaching out to North State Acceptance for assistance, I was told that the vehicle was sold at auction, but I was not provided with any details regarding the auction or its location. I have since requested this information via email, but I was informed that North State Acceptance is not obligated to disclose it and was advised to return the car to the seller. Unfortunately, XXXX has since disappeared and changed his contact information, making it impossible for me to resolve this matter with him directly. 

I feel trapped in this situation, as I paid {$8300.00} for a vehicle that was sold to me illegally and has significant mechanical problems. I am requesting your assistance in this matter to help me understand : 1. The proper procedure to resolve the title issues and obtain a clear title for the vehicle.

2. The details regarding the auction where the vehicle was supposedly sold.

3. What steps I can take to pursue a refund for this illegal transaction and address the problems I am facing with the vehicle. 



I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me at XXXX or XXXX if you need any further information. 

Thank you for your help. 

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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

We bought the home in XX/XX/XXXX. We paid the mortgage on time for many years. XXXX XXXX, XXXX became ill and passed away. After he passe away his family XXXX XXXX & her son took over responsibility for the home. They have been robbed by numerous attorneys in their process, document enclosed attorney XXXX XXXX who collected {$4700.00} from XX/XX/XXXX until XX/XX/XXXX. for a loan modification of which he did not get for them to save their home. 

This family has been wrongfully denied a a loan modification. They have tried over and over again to get help. XXXX XXXX is employed with the City of XX/XX/XXXX with an income of over {$100000.00}. per year. Wells Fargo accepted two mortgage payments from this family XX/XX/XXXX and XX/XX/XXXX and the 3rd payment they submitted was returned to them and now they have a sale date of XX/XX/XXXX. 

This family is definatly qualified for a Loan Modification. Wells Fargo re-entry team just played games with them, constantly changing the point of contact, changing the underwriters, as soon as they submitted what they requested they would come up with another list of requests and due back in one day etc. 

Wells Fargo did not review their documents - because they kept asking for the same documents and when the did look at them they said that are too old, and when they asked for a supervisor, they would send them to a voice mail and when they called the point of contact was never available.
Product: Credit card

Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING COLLECTION ITEMS ON MY CREDIT REPORT. EVERYTIME I AM CONTACTING THEM TO SEE WHO IS THE ORIGINAL CREDITOR IGET NO ANSWERS. I HAVE NEVER HAD ANY ISSUES WITH ANY COMPANY THEREFORE I HAVE NO IDEA WHERE THIS COLLECTION IS COMING FROM. HOW COULD THEY REPORT SOMETHING WITHOUT KNOWING WHO THE ORIGINAL CREDITOR, WHERE IS COMING FROM WHO IS ASKING FOR THE MONEY.
Product: Credit card or prepaid card

On five occasions, Best Buy credit card attempted to withdraw money from my savings account even though the information they have is for my checking account. Their procedure is to attempt the withdraw 3 times, so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Best Buy attempted the withdraw from my savings account and I was hit with a {$34.00} fee each time due to insufficient funds since the funds were in my checking account. XXXX XXXX XXXX XXXX XXXX graciously refunded me half of the charges, however, Best Buy would not refund me the remainder. I added a different banking account at that time and paid my XXXX bill, and was told no payment would be attempted from the XXXX account. I also cancelled my autopay. However, in XXXX, they again attempted to withdraw the money from my savings account twice, on XX/XX/XXXX and XX/XX/XXXX and I was again hit with two {$34.00} charges. I spoke with XXXX with disputes and XXXX with operations ( XXXX ) and XXXX ( operation number XXXX ) who all told me it was not their fault and that they would not be able to refund me the fees.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited my boyfriend 's payroll check, through the US Bank app. They are holding the funds. Saying it's because of fraud protection. I've called customer service twice and got different answers. We went in and saw a branch manager. He just gave us, the run around. The check was deposited Friday at XXXX and here we are, still no access to his money. We both went into the bank and showed proper I.D . It's a check from XXXX XXXX, which is a billion dollar company. Clearly the funds are valid. We were expecting available funds by Monday and still nothing. US Bank is just giving us fake promises and we need the money asap.
Product: Debt collection

This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX wrote Experian by certified mail by signature confirm. No response. Requested inquiries to be removed due to fraud and not having my consent. The inquiries are listed with the names and dates. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I reached out to the lienholder of my tile, Tesla Finance, after paying off my vehicle loan on XX/XX/XXXX several time, as the lien was still not released 1 month after the payoff date.

Tesla Finance claimed that they have electronically released my lien on XX/XX/XXXX, but as of today XX/XX/XXXX the lien is still on the XXXX  system. I also called in to verify with XXXX but the representative claimed that no action has been taken by Tesla Finance.

Tesla Finance also claimed that they would mail the lien release and payoff letter to my address, which they never did. 

I'm moving to Georgia at the end of this year and I need to register my vehicle. Without the title I won't be able to register my car properly.
Product: Debt collection

United Collection Bureau , Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau , Inc showing we had a contract as well as the agreement between United Collection Bureau , Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$280.00}. I reached out to XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue United Collection Bureau , Inc for violating HIPPA laws. United Collection Bureau , Inc has violated multiple HIPPA  laws and I have my lawyer on hand to sue United Collection Bureau , Inc for the violations of my medical rights. Also XXXX stated that I dont have a balance with them and that they dont know why annyt would be sent to collections. Ive never been to XXXX. Also their information has not been reviewed by a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX/XXXX/XXXX  that my credit had been ran on XX/XX/2021. This was not initiated by me and so I called CapitalOne to get some information. The customer service rep said they had no information about their organization running my credit. I was concerned about their inability to find ANY information or record of them running my credit within the last 24 hours and asked to speak to a supervisor and began recording the call. When the supervisor got on the line I let her know for my own protection I was recording the call. When she ( XXXX XXXX ID XXXX XXXX learned this she immediately said the call would be terminated, per CapitalOne policy, if it was being recorded. I asked for any reason why they policy would be in existence, one which a customer is barred from creating their own record of an interaction for the purposes of self protection particularly when they are calling as a result of a financial institutions failure to protect the identity of their customer. XXXX failed to give me any reason and repeated that the call would be terminated if it was recorded. After my call with XXXX I asked to be forwarded to customer service and they promptly informed me that a customer has the right to record a call -- directly contradicting what I had been previously told be XXXX. CapitalOne 's customer service department indicated they would make a report of the incident. If CapitalOne 's policy is valid then there shouldn't be any issue with a representative being able to explain the policy or forward a customer to someone who can. If their policy is in fact not valid then I feel it is my duty to blow the whistle on this criminal practice. I have the entire exchange recorded and would be happy to forward the audio file if it is deemed to be useful. I attached one audio recording, I have another but it exceeds the 10MB limit-If you would like it please let me know another method to get it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Deal Services to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at Wells Fargo Dealer Services. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. Wells Fargo Dealer Services refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.
Product: Credit card or prepaid card

I had an authorization hold returned to my card my a merchant. It never showed up on my card. I called the merchant ( XXXX XXXX ) who gave me the date ( XX/XX/XXXX ) and authorization number for the release but, XXXX its saying they did not receive it. XXXX asked if XXXX could call them or I conference call with XXXX on the line to get it resolved but, XXXX is refusing. They will not speak to me in the phone or XXXX XXXX. XXXX will provide proof to XXXX but can not send to customer but, XXXX refuses. I am now out of {$300.00} that was sent to XXXX. XXXX knows XXXX will only provide proof to them and, not the customer so, they told me to prove it myself or I dont get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. 
As a reference, please see the below accounts in question : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Product: Credit reporting or other personal consumer reports

Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : ***Experian 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions Thank you
Product: Payday loan, title loan, or personal loan

In XXXX of these years after 1 payment being late over 30 days, the company tried to intimidate and scare me by sending a letter stating that I had given them a bad check ( NSF ). This tactic was used to scare me into calling them so they could obtain my number to further harass me. They then sent a second letter wanting me to call them with a phone number. I never wrote a bad check. The last payment I made was in XXXX, not XXXX. However this tactic caused great stress to me. The letter did not include a check number, an amount, or a photo copy of the check. It was simple deceit and pressure. The county attorney was never notified of any bad checks either. 

The particular office is MARINER FINANCE, XXXX XXXX XXXX  XXXX, XXXX KY XXXX. Phone : XXXX