23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested debt validation from this company by mail on two occasions. I have not heard back and dispute the validity of this debt. I have not received anything in the mail that would indicate that I am the person responsible for this debt. Furthermore ; on XX/XX/2020 the business entered into a consent order with the United States of America Bureau of Consumer Financial Protection. The consent order settles allegations that the business Afni furnished information to consumer reporting agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate and failed to report to CRAs an appropriate date of first delinquency on certain accounts. The Bureau also found that Afni failed to conduct reasonable investigations of disputes made by consumers both to Afni and to CRAs about furnished information and failed to conduct investigations of disputes made to Afni in a timely manner. 

I believe that I am one of the persons who your company failed to do a proper investigation of an alleged debt in a timely manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted BridgeCrest to request additional information regarding charge-off account # XXXX, which is being reported by XXXX, XXXX, and XXXX. Despite providing my full name, address, the last four digits of my SSN, and the full account number, BridgeCrest responded on XX/XX/year>XXXX stating they could not fulfill my request due to insufficient information. Adhering to protocol, I filed a dispute with the credit bureaus on XX/XX/year>. However, on XX/XX/year>, BridgeCrest reiterated the same response, yet the charge-off continues to appear on my credit report. Both response letters from BridgeCrest is attached. 

XXXX, XXXX, and XXXX, how can you claim that the account has been verified by the creditor when Bridgecrest can't verify me despite having all my details like full name, address, account number, and last four digits of my SSN? Please see the proof of attachment.
Product: Debt collection

On XX/XX/XXXX, I reached out to Zions Debt Holdings ( XXXX is the original creditor ) to obtain evidence supporting the claim that the debt belonged to me. In response, Zions Debt Holdings provided a deceptive contract in which they manipulated the date and email address. Despite possessing the original contract, which I shared with Zions Debt Holdings and highlighted its fraudulent nature, the company failed to acknowledge the issue. 

On XX/XX/XXXX, I forwarded both the fraudulent and original contracts to XXXX. However, XXXX, without thoroughly examining the fraudulent documents, accepted the creditor 's assertion that the debt was indeed mine. Surprisingly, XXXX explained that they do not investigate disputes if the creditor asserts ownership of the debt. 

This situation raises the question : when should the burden of proof shift to the entity committing fraud? Furthermore, when I contacted XXXX, they informed me that the account is too old and no longer in their system. It is disheartening to face the potential impact of a {$570.00} debt on my credit, especially considering the meticulous effort I've invested in maintaining a good credit standing. I find myself questioning who advocates for the consumer in such circumstances, where fraudulent documents are presented, yet the party retains the right to pursue a debt that is not rightfully mine. 

XXXX sent me an email ( attached ) noting that our relationship ended in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just got my credit report through XXXX On my credit report, it states that I have " 4 '' late payments. I looked at each account, including the closed, and only have " 2 '' from closed accounts. How do I find the other " 2 '' alleged late payments? How long does it take for this information to drop off of these closed accounts?

Also, I noticed Credit Karma ran my credit report 5 times in XXXX. I haven't applied for anything? What can I do to find out why and how to stop this?
Product: Checking or savings account

I requested a {$36.00} payment to my dentist and attached the invoice. They are fusing to issue payment and are demanding an explanation of benefits from my insurance provider and that this is an IRS requirement. This is not a requirement from the IRS ( please reference IRS Publication 502 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXXXXXX on XX/XX/2019 and they couldn't help me.
Product: Student loan

I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT.

ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX.

I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 ).
Product: Consumer Loan

This company SANTANDER CONSUMER USA is reporting an account on my credit that does not belong to me - I 've never done business with this company.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} I have notified XXXX XXXX that I am not paying this account. Under Federal Law 15 USC 1692c, XXXX XXXX and Transunion are required to delete this collection. They have not deleted yet.
Product: Credit reporting or other personal consumer reports

Im requesting that this account be removed from my account like it was stated in the settlement letter. This is effecting my credit score and my ability to get a house
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 
XXXX claims that Account charged off. {$520.00} written off. And account has been paid or satisfied. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$520.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. XXXX must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

8. FURTHERMORE, XXXX  has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than 146 million affected consumers. Thus, XXXX, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.
Product: Debt collection

I receive constant calls from a debt collections company named Linebarger, Goggen, Blair, and  Sampson. They are calling for a XXXX XXXX from XXXX ; to reference his acct # XXXX. I returned the call and spoke with a live agent and specifically requested a DNC to my number, as Im not that person. They have not ceased calling and phone incessantly ; seeming to call more after I requested the do not call.
Product: Debt collection

On XX/XX/XXXX in checking my account to realize my paycheck was {$1000.00} short. After arriving to work and checking with HR, I learned that I was never notified that a judgment had been awarded to Midland Credit for a credit card that was included in my XXXX  XXXX bankruptcy that was discharged in XX/XX/XXXX. Midland also filed this in a county that I do not live in. I have since submitted proof that the original creditor was included in my bankruptcy. Midland seems to be unwilling to stop the garnishment imposed on my salary and it causing undue financial stress to me as a single father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX with no successful resolution. Only Experian is reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late, and I was never 60 days late three times.
Product: Credit card

XXXX and capital one are not resolving my issues. There is a bunch of inaccurate chargers/fees/interest that I didnt not approve of. They are both now charge off and I want them removed. 

Its been about XXXX years now and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses are not my accounts reporting.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Capital One Credit Card last 4 with XXXX. It is a Bass Pro Card. Major problem with this card. Four separate orders were fraudulently made. Capital One charged me for three even after I emailed all the companies. In fact several said the items were sent to a different address than mine. I had a couple things I did received and returned. Capital One charged me anyway even though I closed the card and reported it.
Product: Debt collection

When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. 
On XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. 
In closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. 
I can produce additional supportive documents if necessary to prove my claims.
Product: Checking or savings account

XXXX writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting and charges and credits. This issue align with recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds.I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Student loan

I had my loan in deferment and I needed to resubmit the papers for a hardship due to low income. It was around the time XXXX XXXX change to Navient. Navient said they never received my paper work and put my loan in a status of default. They double my loan and have been take my income tax the past year and this year and the amount is not take of my loan. I need help.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, which I believe was a result of a mistake. I am deeply concerned about this matter and would like to present my case for your re-consideration. 

First and foremost, I want to emphasize that I have always adhered to PayPal 's policies and guidelines. I have never knowingly engaged in any activities that could potentially violate your terms of service. Therefore, I am perplexed as to why my account has been subjected to such restrictive measures. 

I kindly request that PayPal conduct a thorough investigation into my account 's limitation. I believe that a careful review will reveal that there has been an error or misunderstanding. I am confident that you will not find any instances of policy violations or suspicious activities associated with my account. 

Having relied on PayPal for many years for secure and efficient transactions, this limitation has significantly inconvenienced me both personally and professionally. I have always valued the trust and reliability that PayPal offers to its users, and I genuinely wish to continue using your services for my online transactions. 

For your reference, the email address linked to my PayPal account is XXXX. 

I understand that ensuring the security of your platform is of utmost importance, and I commend PayPal 's efforts to maintain a safe environment for all users. However, I sincerely believe that my account 's limitation was an unfortunate error, and I humbly request that you re-evaluate my case and consider restoring my account privileges, if deemed appropriate. 

I am eager to provide any additional information or documentation to support my appeal. Please let me know if there is any further information you require to re-investigate my case thoroughly. 

I genuinely hope that you will give my appeal due consideration and reach a fair and just decision. I eagerly await your response and sincerely thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Debt collection

When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have filed an FTC Report and attached a Police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX  XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX  XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
Product: Credit card or prepaid card

I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   XXXX   XXXX