23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recently been made aware that a judgment was posted against me in 2013. I can only state on record that this collection agency and debt buyer never served me personally as to a pending lawsuit that I could have easily challenged. What I believe happened, it that this company mailed a copy of a complaint to my former address in XXXX New York State, submitted false service affidavits, and then filed a default judgment against me in the proper jurisdiction, as in this case XXXX New York. The facts show that this illegal collection practice is a scam : The judgment company has a collection division that states that they are still collecting on behalf of the original creditor. However, the judgment shows that the judgment is owned by the debt buyer. It is in essence a double hit to me on credit, whereas I now have a judgment on XXXX end, and a completely different company on collection, this does not take into consideration the original creditor on my credit reports. The collection process is broken, already confirmed by the Federal Trade Commission. 
I now have XXXX different fights to deal with all because my rights under New York legal practices were violated, and my rights under the Fair Debt Collection Practices Act were also violated. I demand a full accounting of disclosed documents pertaining to the illegal judgment posted against me. 
I demand this company vacate of the existing judgment XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 SYNCB/TJX Co. .has placed a false inquiry on my credit report ( 2 of 3 bureaus ) that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response.

They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of the account, XXXX XXXX Account # XXXX In accordance with the fair credit reporting act XXXX  account XXXX XXXX, Account # XXXX, has violated my rights. 

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

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

They have ignored all my attempts to get this item verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the MPN for my Private Student Loans they acq uired from XXXX. 1. XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Product: Credit card

After eleven years in business, my partner and I were forced to close our company on XXXX/XXXX/16 due to insurmountable financial difficulties as a result of the economic downturn over the past several years. Since the company was an XXXX, I was responsible for all credit cards where my name appeared on the card along with the company name. 
Both my partner and I each had several credit cards to deal with. Since the company had no assets whatsoever, I contacted each of the credit card companies and all were resolved except XXXX, Capital One which I first contacted on XXXX/XXXX/16 in an attempt to secure Debt Forgiveness in the form of a settlement so that I could begin to move on and deal with additional company issues. I was told on that date that XXXX XXXX could not offer a settlement " at this time '' because the account was not overdue long enough. I then called back on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Over the course of these calls, I spoke to approximately XXXX different reps / supervisors and more than once I spoke to the same person twice. I was told on XXXX that in order for my request to be considered I should write a letter and fax or mail it to the General Correspondence Department at Cap 1 explaining my circumstances which I did and I faxed it to that department on XXXX. Two days later I received a letter from Cap 1 saying that they were " unable to fulfill my request through written correspondence '' and that I should contact them at the XXXX # listed below. When I called, the merry go round started all over again. I have spent approximately XXXX15 hours in total on the telephone with various reps and account supervisors with no resolution in sight. 
Not one of these reps / supervisors ( I was told ) was authorized to negotiate a settlement nor could they transfer me to anyone who could nor could they give me a reason as to why my request could not be resolved except to say a settlement was not on offer " at this time ''. In essence, they have been stalling while my interest rate has increased by 13 % causing the total of my bill to increase significantly as well. Maybe this is their strategy. 
Despite the fact that I am retired, collecting Social Security ( not even the maximum ) and without a pension, Cap 1 refuses to negotiate with me in good faith. This is in complete contrast to what they claim on their website regarding Debt Settlement. It appears that Cap 1 is misrepresenting their policies and is engaging in unfair business practices. 
Insofar as all our other creditors have met us half way, I never expected my dealings with Capital One to be so difficult and stressful. The manner in which they do business with their customers who fall on hard times is appalling and abusive. All of their reps seem to be reading from a script / talking points, unable to offer any help whatsoever. They all say the same thing, " no offer is available at this time ''. 
So, " at this time '', I am exactly where I was when I started except that I am now further in debt to Capital One.
Product: Payday loan, title loan, or personal loan

Good Night, I purchased furniture at XXXX XXXX XXXX, they offer me a Credit Card from Comenity Capital Bank, they offer me 12 month financial without 0 % interest, they only said that then will be charge 29.74 %, I finish paying but somehow I get behind on the last payment which I complete few weeks later, they are charging me extra money and they didn't stop, they said I have to pay the interest of the full loan even that I have done the old payment which are like XXXX form the original XXXX because that's on the contract, I spoke to them and I explain that I never receive that information, for me is unfair, I signed into digital screen and didn't receive any verbal no written information about this, only they said that It will be 29 %, they said that there is nothing that they can do and in order to stop doing more charges I have to pay the full amount. they usa a sister to remind you when to pay but actually they remind you when you are already past due. I need to first get in to a fair solution and then close the account with this bank I have never had problem before with any kind of credit. I also going to send the only documentation that I receive when I open the credit card. Thanks a lot Have a good night
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard inquiry from Paypal Credit appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from XXXX. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from XXXX I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize XXXX look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from XXXX informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute on an account on XX/XX/2023 still no response from Transunion.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my XXXX year old son using my computer ( unauthorized ) purchased 2 pair of sunglasses from a company pretending to be XXXX XXXX XXXX XXXX  ( XXXX ) based in the USA and they are not. They are called XXXX based outside the country. 
The transaction was made around XXXX this day using PayPal, my son notify me in the morning around XXXX of what he done, I immediately contacted PayPal to cancel this transaction and they refused to do so, I stated 2 valid reasons on their cancelation policy : One that my son was unauthorized and a minor ( not legally bound ) and second that the seller was obviously a fraud/scam. 

Also that morning I try numerous times to contact seller to cancel order with no luck. Seller did not reply, at this time XX/XX/2020 the purchased items had no tracking information, bank account was not drafted and I have try to inform PayPal of this with no luck, they quickly closed the dispute I place on resolution center without a valid response, and with disregards that this company is a fraud/scam. 

I believe that PayPal is in violation of the Federal guidelines on how to protect consumers from fraud, and that they even seem to be encouraging this type of behavior from fraudulent sellers. 

Seller sent a shipping tracking info XX/XX/2020 with a fake international tracking number, since XXXX do not recognize such tracking! Again another obvious red flag! 

Paypal transaction ID : XXXX for {$75.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High Balance : {$6900.00} ( XXXX, Equifax ), {$0.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance Owed : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Paid ( XXXX ), Derogatory ( XXXX, Equifax ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( XXXX ), Settlement accepted on this account, Paid charge off ( Equifax ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$6900.00} ), XXXX ( {$0.00} ), and Equifax ( {$6900.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I received an envelope in the mail from Scott and Associates containing what appeared to be court documents titled Judgment Creditors First Set of Written XXXX XXXX XXXX  of Enforcement of Judgment. Upon reviewing the documents, I noticed several irregularities : XXXX. I was never served with any paperwork related to a lawsuit or judgment. 
2. The case number listed on the documents does not exist in my countys court records.

3. I contacted the county clerks office on the morning of XXXX of XXXX and after a thorough search, they confirmed that no such case has been filed under my name or the case number provided in the documents. 

On XX/XX/year>, I received a certified mail package, again from Scott and Associates, containing the same documents. Despite the package being sent via certified mail, I nor my roommate sign for or accept it, yet the sender proceeded to send the same falsified documentation.

The documents and actions by Scott and Associates appear to be an attempt to intimidate me into providing personal and financial information or making a payment toward a debt I do not owe. This behavior raises serious concerns about potential fraudulent activity and abuse of the debt collection process. 

This situation involves potentially fraudulent legal documents designed to coerce me into compliance with a non-existent or fraudulent debt collection effort. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive and misleading practices by debt collectors. Additionally, attempting to enforce a judgment without a legitimate case is a serious legal violation. 

I am filing this complaint because I believe Scott and Associates is engaging in deceptive, unfair, and potentially fraudulent practices by sending falsified legal documents to collect a debt that appears to be either fabricated or invalid. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to prevent further harm to myself and others who may be targeted by this company.
Product: Debt collection

OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX
Product: Debt collection

Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC complaint and Police report which I filed on my local Police Department. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX
Product: Debt collection

I received a statement in the mail last week stating that i had an outstanding balance for a purchase from XXXX XXXX XXXX that i made on XX/XX/XXXX. The purchase was paid off in XX/XX/XXXX. On XX/XX/XXXX I made efforts to reach out to the company. On every attempt that was made via telephone my calls were dropped. I then attempted to reach out via email. Each email was returned as not delivered. After doing further research i discovered that my personal account information was used for a purchase in XXXX XXXX, Louisiana on XX/XX/XXXX that i didnt authorize. My credit score has dropped due to the fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Product: Student loan

I have messaged or called multiple times per week trying to get to the bottom of my account. I got a letter from a XXXX  complaint I made stating that Mohela had sent my XX/XX/XXXX ineligible count to for approval to be made eligible yet they failed to state to WHOM DID THEY SEND THIS REQUEST SO THAT I CAN FIND OUT MORE INFORMATION AND TALK TO THAT ENTITY. I SHOULD BE AT XXXX FORGIVENESS AS OF XX/XX/XXXX YET THEY ARE DELAYING MY FORGIVENESS. Mohela tells me one thing but the Dept of Education has stated MOHELA is doing the count that gets sent to them. MOHELA tried to blame the dept of education or studentaid.gov. I want to know the clear parameters as I have reached out to the Missouri State attorney general who agreed to help with situation as well the Federal ombudsman but I am missing critical information from MOHELA.