23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX
Product: Debt collection

I am writing to formally dispute and request the immediate and aggressive deletion of the charge-off accounts listed on my credit report. These accounts are negatively impacting my credit score and financial well-being, and I believe that their presence on my credit report is inaccurate and unjust. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccuracies on my credit report, and I am exercising that right in this correspondence. The following charge-off accounts are the subject of this dispute : XXXX XXXX XXXX I request that you conduct a thorough investigation into the validity and accuracy of these accounts and take the necessary steps to remove them from my credit report immediately. I also request that you provide me with written documentation supporting the validity of these accounts, as required by the FCRA. 
If, after your investigation, you find that these accounts are indeed inaccurate or unverifiable, I insist that you promptly delete them from my credit report.
Product: Debt collection

CMRE was sold my Collection from XXXX University XXXX XXXX I understand limited info about my medical information is given, but anything additional should be authorized by me the consumer, which isn't thus why I requested for this collection to be removed per XXXX violation. CMRE has my full medical in their collection that I didn't authorize. I sent a letter to the credit beauru that is attached and XXXX directly to CMRE. XXXX responded that CMRE said " All info is correct '' Which doesn't match my reasoning for dispute.
Product: Checking or savings account

XXXX XXXX XXXX To : ChexSystems, XXXX. 
ATTN : XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX, MN XXXX Subject : LEGAL NOTICE DISPUTE OF UNAUTHORIZED AND UNVERIFIED ACCOUNTS 15 U.S.C. 1681 ( a ) ( 4 ), 1681 ( b ), XXXX ACT VIOLATIONS ( FTC NOTICE XXXX ) To Whom It XXXX Concern, This letter serves as a second and final demand for the immediate deletion of inaccurate and unverified information contained within my consumer file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Act ( GLBA ). 
Your continued reporting of the below-referenced accounts, despite prior dispute, constitutes a willful and negligent violation of the FCRA and XXXX data protection laws. You have not provided full disclosure, including any documentation bearing my wet signature or valid written authorization permitting these institutions to report or share my information with ChexSystems or any third-party consumer reporting agency! 
Disputed Accounts XXXX. XXXX XXXX BANK Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Reported For : Account Abuse Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( Partial ) : XXXX Date of Closure : XX/XX/XXXX XXXX  # : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Paid in Full ( as of XX/XX/XXXX ) XXXX. XXXX BANK ( I have never banked with XXXX!!!! ) Address : XXXX XXXX XXXXXXXX, XXXX, VA XXXX Reported For : Overdrafts Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX SSN ( Partial ) : XXXX Drivers License : XXXX ( State : FL ) Date of Closure : XX/XX/XXXX XXXX XXXX : XXXX / XXXX Original Charge-Off Amount : {$1900.00} Closure Status : Unpaid
Product: Student loan

Borrowed {$8400.00} to go to college. 
XXXX  XXXX. 
Paid Student Loan in good standing {$120.00} a month from XXXX. 
XXXX  XXXX XXXX XXXX job in XXXX during the downsizing. 
Assumed that loan was in deferment. 
It was not. 
Several failed jobs for 2 years_company doors shuttered in my face without paying me. 
Sold everything. Moved to XXXX. Got 2nd hand car. Got job at a XXXX XXXX XXXX in XXXX. 
Lived in the employee dormitory at the XXXX XXXX XXXX. 
Got full time at XXXX XXXX XXXX, 3 years later. 

VOLUNTARILY picked back up Student Loan Payments. 
Was told by a Representative of the Dept of Ed., that if I made 12 straight monthly payments of {$120.00} a month that my Student Loan would come out of default. 
It did not. 
I paid {$120.00} a month from XXXX - XXXX and the loan never came out of default.

Economy Crash. 
Lost great job in XXXX XXXX. 
Bankruptcy XXXX. 
Lived at an  XXXXXXXX XXXX where I got a roof over my head & food, a little pocket money for 10 years. 

Now my Social Security is being garnished when I became eligible to collect it. 

I paid approximately {$8600.00} on the Student Loan from XXXX when it was in good standing. I can not contact the Dept of Ed directly to get an exact amount. 

I paid $ XXXX in VOLUNTARY PAYMENTS + Tax Refund offsets from XXXX. ( I have the print outs ). 
TOTAL OF {$23000.00} paid for borrowing {$8400.00}. 

Enough is enough. They still want $ XXXX more dollars. I can't contact the Dept of Ed directly_only the Collection Agency.

I feel like this loan is paid 2.5 times over and they still come after me. I have {$750.00} a month to live on after their garnishment.

My credit score went back up recently & I know that wouldn't happen IF I STILL OWED THE GOV.

The Govornment has crashed the economy twice in 20 years and now the PANDEMIC. 
They give out free PPP  money_BILLIONS OF DOLLARS in loans that don't have to be paid back by businesses that could have weathered this storm with their own resources instead of draining the Treasury of tax payer funds. 
Yet_they garnish my only source of income & I have to live on {$750.00} a month. 
I've paid them {$23000.00} for an {$8400.00} loan & they won't relent. 
There is something basically wrong here. 

Legal Aid told me I had to pay it or die whichever comes first. 
I told them that I think it is paid 2.5 times over. 
They dont agree. They say pay it or die. 
What is wrong with this country? 

Its not like I borrowed {$100000.00} for a vanity degree & reniged on payment because I work at XXXX XXXX. 
I HAVE PAID A LOT OF MONEY FOR AN {$8400.00} LOAN ALREADY. 
IT'S A MORAL ISSUE. 

Any help appreciated. 

Companies involved> Dept of Education Reliant Capitol Solutions
Product: Debt collection

This is two prong collection complaint I have against Fair Collection and Out ( Fair Collections ) which is located ay XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. They are both rent related matters. Telephone number : XXXX XXXX In short, in 2016 I moved my family into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NY XXXX, It was a disaster from day one due  to construction ( which they failed to notify me of ) and multiple issue that had great impact on my young daughters XXXX. It was a battle from day one and the building did nothing to help settle nor resolve the issues I was forced to leave and left with a rent debt that i believed we did not owe due to the circumstances. Simultaneously that year I was the guarantor of my mother XXXX XXXX lease at XXXX XXXX XXXX XXXX XXXX NY XXXX. Both buildings were owned by the same company. 
Unfortunately, in 2016 My mother XXXX XXXX and iI lost my job. As stated above, we moved out of the apartment ( and state ). The landlord sued me and my wife. I could not afford an attorney and could not represent myself properly. They took a judgment against me and my wife. From that point on, Fair Collections undertook an aggressive phone and mail campaign to collect the debt they claimed they purchased from the Landlord, Not only did Fair Collections harass me, they called relatives, forma work locations, my guarantor, family members, and any other person or locations they believed I was located. It was daily and constant, multiple times daily. It was awful. I desperately tried to negotiate and hold them off but to no avail. They simply would not listen and applied high pressure tactics. They threatened my apartment guarantor and harassed him ( and his family ) to the point were he paid {>= $1,000,000} to Fair Collections to leave him and his family alone and resolve his potential liability. 
Despite collecting {$15000.00}, Fair Collections continued the harassment. They hit mine and my wife 's credit ( and continue regularly ) for {$28000.00} for the purported XXXX XXXX debt and {$10000.00} for what they claim my XXXX mother owed. Of course our is destroyed and i am still out of work. I have called Fair Collections several times to try to negotiate to remove these debts but to no avail. Today I attempted again only to be told I could pay a total of {$22000.00} to resolve both debts. More importantly, the representative said that even if i paid they would not remove it from our credit reports but would simply mark the matter resolved for a lesser amount. I explained I simply did not have anything near that amount and was still out of work. I explained I had a friend who could lend me a few thousand to resolve the matter. I explained that the debts reporting is destroying our credit and not allowing my family to move forward. The agent simply said no and that they would continue to hit my credit ( as they just did this month ) I simply do not understand how they can continue to pursue debts that are improper, debts they have collected on already. debts they contuse to use to destroy our credit, and debts they will not reasonably try to resolve considering the circumstances.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
XXXX - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit card

My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.
Product: Credit reporting or other personal consumer reports

Please see unauthorized credit via identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$17000.00}
Product: Credit card

I looked at my credit report and I noticed a few errors. One of them being a late payment to COMENITYBANK/VICTORIASSECREt. I have never shopped or opened a credit card from the above company. Im trying to rebuild my credit and Im needing this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I fully 500 % agreed XXXX XXXX patient billing should of inform that there is two separate payments one for Hospital doctor and one for Hospital But they kept taking payments. Not until end of XX/XX/2018 did I find out about the need for two payments needed to become made.

So now need to go under a {$10.00} payment agreement and after three months of faithful payments no longer a negative on our credit report.

Yes needs to be reported to XXXX XXXX  billing the glitch that did happen. For I would of gladly of made two payments but I honestly did not know I needed to do this. But once I found out I took proper action as clearly shows I did.

Sum it up Now needs to be put on a {$10.00} payment agreement and prayerfully set up to become started XX/XX/2018 and in XX/XX/2018 after making three month of faithfully payments. Negative become removed from my credit report than.

XXXX XXXX XXXX XXXX
Product: Debt collection

L J ROSS ASSOCIATES at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due. I do not know this company. I have never did any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

This is extremely alarming and I am distressed, there appears to be fraudulent credit inquiries done under my name and I never benefitted from any of it. These are already reported to the Federal Trade Commission but they are not removed from my report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

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

Experian had deleted a item in XXXX of 2019. Then after the deletion they reposted it 2 months later from the company who does not report this account. XXXX XXXX XXXX has no records of any relationship with experian on me or my social security number and says they have no idea what experian is doing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ( XXXX ) and on XX/XX/2021 ( Transunion ) and on XX/XX/2021 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXXXXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following credit card companies and loan companies on my credit report. XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX whom I've never established any kind of business with. I have also included multiple inquires in my credit report that needs removed, as I have never gave these companies permission to run my credit report. I have included the accounts and all inquiries to my Identity Theft Report.
Product: Payday loan, title loan, or personal loan

Dear, I usually make payment on time. I made XXXX payment on time by online, and at that time their website had system problem. My payment was not processed correctly. I found this matter later, and they already reported credit bureau about that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 'XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase on XX/XX/XXXX. I used this account to buy and sell bitcoin and have never had any problem. A couple days later, I opened an account with XXXX ( a trading platform controlled by Coinbase ). After a quite lengthy process of account verification, I finally had my account ready to trade. I made a couple of buys and sells using XXXX. Then I stopped using it for a week because I did not have time. A week later when I logged back into XXXX account. It did not let me log in. It indicated that " Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact support@coinbase.com ''. So I submit a request on XX/XX/XXXX to support@coinbase.com to resolve the problem ( Case # XXXX ). After 10 days without response, I submitted an other request on XX/XX/XXXX ( Case # XXXX ). Now almost another 10 days has passed, I have not heard back from Coinbase people. I also submitted another request on XX/XX/XXXX to XXXX Support Center ( XXXX XXXX XXXX ) instead with the hope that I can get a response from XXXX people ( Case # XXXX ). I have about {$8000.00} dollars worth of coin on this account so this has been very frustrating to deal with.
Product: Checking or savings account

On XX/XX/year> Wells Fargo reversed a XXXX check cashed in a old closed Wells Fargo account from a year and two months ago that cleared with no problems and was paid out. the account being closed Wells Fargo took it upon themselves to take the money out of my new account even though the check cleared in the old account