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

To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

In XXXX of XXXX, I was contacted by a collections agency on behalf of XXXX XXXX in XXXX, Alaska. They claimed that I have 2 outstanding bills from an appoint on XX/XX/XXXX. I am contesting these bills for several reasons. 

The first, is that the services done by XXXX XXXX were covered by a grant by XXXX XXXX. The scheduled XXXX from XXXX was only partially covered and the remainder of the bill is {$290.00}. The second bill was for a service I was unaware that I was having or would later be billed {$970.00} for. I feel that XXXX XXXX was not transparent of what the charges of the services would be and should have given an estimate before I consented. Undoubtedly, I would have refused to proceed with the service had I known. 

Secondly, as previously stated, I was first made aware of these bills in XXXX of XXXX, more than 2 years after the initial appointment. XXXX XXXX had attempted to communicate with me only through a po box that I was no longer using. They stated they were unable to get in touch with me even though I have had the same phone number since XXXX and the same email address since the late XXXX. Not to mention, that I had the same service performed in the same facility the following year and nothing was brought to my attention. I had literally walked through their doors and I was not made aware of the bills. 

Also, so much time has lapsed between XXXX XXXX XXXX and when I was first contacted in XXXXXXXX XXXX XXXX  that records kept by the involved parties are no longer useful. Had I known of this earlier, I would have had the opportunity to make a resolution. There was also interest tacked on to each of the bills which had been accruing without my knowledge over time. 

I feel that the lack of transparency and untimely communication on the part of XXXX XXXX has caused unnecessary hardship which could have been avoided with more professional correspondence.
Product: Debt collection

On XX/XX/2019 I sent a debit validation certified letter to Medicredit Corporation XXXX. XXXX XXXX, Maryland, XXXX, MO XXXX. I gave them 30 days to respond back to me via mail to provide me with competent evidence that I have any legal obligation to pay them. It has been over 30 days and I have not received any information from this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service leading to further fraudulent transactions which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to correct and prevent fraud on their platform leaving my account vulnerable and unprotected which has lead to a significant financial loss, emotional distress and major inconveniences with other financial institutions trying to explain what occurred causing my relationship with my financial institution to not be trusted. I am seeking appropriate redress for these violations.
Product: Debt collection

A few weeks ago, this agency called XXXX XXXX XXXX contacted me about some medical debt I owed. I told them I was invoking FDCPA, that they could not call me going forward, and to send the information. They stated I had to put the request in writing. I told them that FDCPA can be invoked by phone or in writing. They supposedly relented and agreed to send the information. I did get that information.

On XXXX XXXX 2018, this agency called my number again stating my wife had medical debt. They violated FDCPA by contacting my number AGAIN despite my previous invocation of FDCPA.
Product: Credit reporting or other personal consumer reports

Approved for secured credit card with Discover. XXXX security deposit and XXXX credit limit. I paid early and consistently until I suffered a work injury that rendered me XXXX. My account balance was approx XXXX I asked why they could not apply deposit to pay off amount owed and even stated to keep the amount left out of the security deposit. I was told it had been charged off, however it was not until this year and the company charged me interest up until then. I did not use the card after the balance was XXXX approx, due to not having income but Discover decided to keep the XXXX security deposit, lied about the account being charged off and charged interest on my account. It's in collections now and right at XXXX owed. I also received reward checks every so often from Discover, money back on our purchases, I received a XXXX approx check back in XXXX, XX/XX/2023 approx from Discover and haven't used the card. Is this legal?
Product: Credit card or prepaid card

We had a credit card with Aspire, which we had paid off the entire balance of in XXXX of XXXX. Following the fulfillment of this payment, we called and then cancelled the credit card in the same month, seeing as we did not want to continue with the card. After a report from XXXX, we learned that Aspire had reported a 30 day late payment on the card ; which not only damaged our credit reports, but also was not communicated to us in any way, shape or form. We called Aspire as soon as possible, and spoke to a XXXX XXXX in the collection department. XXXX then claimed that this {$39.00} dollar fee was an annual renewal fee, having not been informed of this charge ; as previously stated, we did not act on it. This then, when added with late fees that we did not charge, totaled to {$130.00}. Additionally, there is the fact that the card was cancelled in XXXX of last year. XXXX attempted to have us pay the balance off, however, as we stated the card was cancelled 5 months prior, and we had not made any purchases or charges on the card, which has been destroyed following its cancellation. After speaking with XXXX for approximately 30 minutes on XX/XX/XXXX, we ended up speaking to their supervisor, XXXX XXXX. XXXX XXXX is sending this to the resolution department to have the fees removed from the account and to make another attempt to close the account. While this is a part of the issue, the main concern is the fact that this is now displaying as 30 days late on my credit report and the removal of this occurrence from the report is my utmost priority. I had been told by both XXXX and XXXX that this is not a guarantee, which is unacceptable, given that the balance on the account was not of our doing.
Product: Mortgage

1. Citizens neglected to maintain accurate records of my account and RMA ( XX/XX/XXXX letter from Citizens lawyer XXXX vs data on my 3rd RMA application ) 2. Citizens repeatedly attempted to conceal this negligence by consistently willful dilatory tactics since XXXX, and providing misleading and false information to me ( XXXX ), XXXX representatives XXXX XXXX XXXX ), the CFPB ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and the XXXX XXXX of the Attorney General ( cc 'd on XX/XX/XXXX ). 

3. Citizens continues to engage in bad faith negotiations, not only through the past 18 months but most recently by offering an unfair settlement agreement on XX/XX/XXXX that demanded my compliance before XX/XX/XXXX and then refusing to respond to my timely reply ( XX/XX/XXXX ), follow up ( XX/XX/XXXX ) or provide the paperwork in a timely manner for review as there are now only 3 days before their self-imposed deadline.
Product: Debt collection

They called me and stated that they are comeing after me for fraud from a loan I took out in XX/XX/2017 for about XXXX. I made as many payments as I could but I lost my job at that time and was not able to pay it I am currently geting garnished so I can not send them money or I will not be able to live I am a single father of XXXX kids.
Product: Vehicle loan or lease

The open auto loan I have with Santandar consumer is not reported on my three credit reports that I have recently pulled. Name is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I initiated a transfer from Apple Savings ( Goldman Sachs ) to my XXXX Checking account. I have made these mobile transfers between these accounts prior with no issues. I initated a tranfer from Apple to XXXX on XX/XX/2024. I was traveling and noticed the transfer did not take place. I called XXXX multiple times and they have no record of the transfer. 
Apple ( Goldan Sachs ) has been terrible. I filed a writen dispute with them on XX/XX/2024. I called back on XXXX XX/XX/2024 and they were still investigating. I asked to have it escalated. On XX/XX/2024 I received an email from Apple to call them. I called them, was transferred three times and the last person, inciated someone would call me back in 1-5 days. I am now at 19 days and my {$5000.00} transfer has not posted to my XXXX account and Apple insists that the transfer was successful.
Product: Debt collection

AMERICOLLECT INC has an account on my credit that is not mine. i do not hav awritting contract to pay americollect inc. there is no valid proof i owe americollect.
Product: Debt collection

I initially hired XXXX XXXX to get rid of some weeds and mushrooms growing in my yard and trim the grass. The first vendor came out on XX/XX/2023 and didn't remove any weeds and left the mushrooms. However did leave grass clippings everywhere it was a complete mess. I didn't approve the work so I wasn't charged. Unfortunately, XXXX sent out another vendor and I was at the home and could see the vendor really wasn't working and seemed irritated. Needless to say the weeds weren't removed and multiplied due to this and the mushrooms were never removed. I didn't approve this job as it was incomplete to say the least. XXXX ignored my rejected job messages and began to charge my credit card numerous times. I was threatened over the phone that it was okay that I didn't accept the job and they would send the account to collections anyway. At this time XXXX continued to try and charge my credit card for the incomplete job. XXXX sent this account to Kinum a debt collection agency. Kinum sent me a letter then called one of my family members to locate me. I never listed this family member on any contact information to XXXX. I contacted Kinum and asked why did the call my family and I was informed we had to get a hold of you, I disputed the debt XXXX  sent them to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and notice there were hard inquires on there and that don't have permissible purpose to be on there. These hard inquires are hurting me from getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquires that don't have any reason to be on my credit report. XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from Daimler Truck Financial, I never contacted or contracted with this company. I contacted Daimler Truck Financial by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Product: Debt collection

Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX  account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!
Product: Payday loan, title loan, or personal loan

I did not apply for a cash advance with this company. I attempted to apply for an advance and I received the message that the account already exists. Someone applied for a cash advance in my name. I sent an email to the company informing them of the fraudulent application. Unfortunately, when an individual applies for a cash advance, it will not appear on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Student loan

1. Issue is student loan forgiveness. I have been employed over the past 15 years with various state and community organizations that qualify for the student loan forgiveness program. I have applied 3 times each time my loan get transferred to another company.

2. I have asked for and investigation because the total amount of loan as reported on my credit reports is not adding up it almost appears to be 2x what it should be and including the payments made over the past 15 years.

3. My concern is that when my loans were refinanced they were refinance with the original loan not the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about Equifax and XXXX. On XX/XX/XXXX of XXXX, I disputed XXXX XXXX XXXX  and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted XXXX and Equifax several times about this. XXXX and Equifax still show the XXXX XXXX XXXX and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact XXXX or Equifax or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from XXXX about these two accounts, They stated that the removal date for the XXXX XXXX XXXX was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. XXXX should have removed these already. When I spoke with advocates from Equifax, they told me that the XXXXXXXX XXXX XXXX removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that Equifax will remove those two cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that XXXX does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.
Product: Debt collection

HI SOURCERECEIVABLE MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Student loan

I am writing to formally dispute the account XXXXClimb Credit ( Account # : XXXX ) as it appears on my credit report. This account was opened fraudulently due to manipulation and deceit by Climb Credit and XXXX XXXX. I request that it be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Details of the Fraud & Manipulation : Misrepresentation & Deception : Climb Credit and XXXX XXXX misrepresented the financial terms of this loan. I was misled into believing that I was not taking out a loan and was instead signing up for an educational program with flexible payment assistance that would not negatively impact my credit. 

Lack of Full Disclosure : Key details about interest rates, loan repayment terms, and financial obligations were not clearly disclosed to me. The loan agreement was presented in a way that pressured me into signing under false pretenses without allowing me to fully review or understand the financial burden. 

Predatory Lending Practices : XXXX XXXX falsely advertised job placement rates and return-on-investment claims, leading me to believe this program would result in a high-paying tech job, which would allow me to easily repay any financial obligation. These claims turned out to be deceptive, and Climb Credit exploited this misinformation to trap me in a loan I never intended to take out.

Fraudulent Conduct : After realizing the deceitful nature of this agreement, I attempted to resolve this issue with Climb Credit, but they have failed to provide me with any legitimate proof that I authorized this debt knowingly and with full transparency. 

Dispute Request : Because this account was established under fraudulent and deceptive circumstances, I am requesting the following : Immediate removal of this account from my credit report with all three credit bureaus. A full investigation into the legitimacy of this account and the predatory lendin
g tactics used by Climb Credit and XXXX XXXX. 
A statement reflecting this dispute to be included in my credit file until the matter is resolved.