23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing now a dispute regarding fraudulent activities on my credit report. I first became aware of the fraudulent activities when I received a letter from CREDIT CONTROL , LLC regarding a debt that I did not recognize. I have taken also the necessary steps to protect my personal information. I am deeply concerned about the potential harm this could cause my credit score has been negatively impacted. I have attached a copy of my police report to support my dispute. I am requesting that you remove the fraudulent account from my credit report and take the necessary steps to restore my credit score to its previous state.
Product: Checking or savings account

ON XX/XX/20 MY DEBIT CARD WAS CHARGED {$63.00} FROM PAYPAL FOR SOMETHING THAT I NEVER ORDERED OR RECEIVED. XXXX GOT MY COMPLAINT SENT IT TO PAYPAL I RECEIVED A CALL FROM PAYPAL ON XX/XX/20 A PERSON NAMED XXXX EMPLOYEE NUMBER XXXX HE TOLD ME MY CHECKING ACCOUNT ENDING WITH XXXX WOULD BE REIMBURSED WITHIN TWO WEEKS. NOW IT IS XX/XX/20 I HAVE NEVER BEEN REIMBURSED. I REPORTED IT TO THE XXXX  THEY CLOSED THE CASE NUMBER XXXX. I ALSO COMPLAINED TOBUSINESS XXXX XXXX THEY INVESTIGATED MY COMPLAINT AND CLOSED THAT COMPLAINT WHEN I SPOKE TO THEM THEY TOLD ME TO MAKE A COMPLAINT WITH YOU. THE END RESULT I WANT PAYPAL TO REMIBURSE MY {$63.00} I HOPE YOU CAN SOLVE THIS PROBLEM. THANKING YOU IN ADVANCE.
Product: Money transfer, virtual currency, or money service

PayPal has froze money on our account. 
We opened Paypal back in XXXX XXXX and had been using it with no problems until the end of the year. After a year the froze my money on our account with this explanation " fake ID uploaded when account was opened ''. They told us to wait 180 days and then we can get the money, 180 past and we can not take the founds ( {$490.00} XXXX from the account. 
Driver license had been issued by the state of XXXXt and can not be " fake ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX 6927****Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my Experian Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source EXPERIAN Company XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX  they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by Experian that I needed to call the XXXX back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call Experian to remove the inquiry after I made it clear that I wasn't going to business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having major issues with XXXX XXXX fixing incorrect errors on my account. I also have in writing where a representative told me I needed to call the credit agency and have them send me the credit report on what data they had. I called the agency and they said that was false and they report why they have been sent. 

Dealing with XXXX XXXX is horrid. I ended up having a loan of sorts after signing up for a travel package with world wide travel experts. Nothing is worth dealing with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Midland Credit Management is incorrectly reporting my collections status. I have two accounts with them ; both of which Im currently making payments. Its on autopay directly from my checking account the XXXX of every month. However theyre reporting the account delinquent, and are saying its the credit bureaus, when I have disputed it multiple times with the bureaus and have had it corrected multiple times, only for them to turn around the next month and report it delinquent again.
Product: Debt collection

This that was proven that it wasnt mine it was removed from my credit report and now its been put back on and the information is still incorrect is not mine I requested they remove this immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed from A data breach and I FTC complaint was filed ref number : 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

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( credit collection serv ) from XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Auto loan account opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ). 

that appears related to the aforementioned Auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I do not recoanize the atorementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.
Product: Debt collection

XXXX XXXX XXXX of XXXX, Tx sold my debt to a collector. I had payments set up to be auto drafted from my bank debit card. My bank closed the card and sent me a new XXXX. I tried to online and change my information and pay my bill. It would not allow me too. I did not receive a call from XXXX XXXX XXXX stating that they had issues with my automated payment that I set up on their website. This was done after I questioned the bill. I believe I was XXXX charged for my deductible. I sustained a XXXX XXXX XXXX shortly after and have received numerous automated calls from the debt collector on my cell phone. I received XXXX call prior to my accident and calls while in the hospital. A total of XXXX calls. It is my understanding that the law does not allow automated calls by debt collectors to a cell phone without permission. I was XXXX in the hospital. 

The debt collector is Central Financial Control located in XXXX, AL. They threatened further collection activities ( Not sure what that means ) The amount is for {$320.00}
Product: Debt collection

In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXXXXXX XXXX XXXX  added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXXXXXX XXXX XXXX XXXX XXXX  a Manager in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS. This has been removed 2 time this company is hurting my credit file with a fraudulent account.
Product: Debt collection

My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX  XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the IRS office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX  for {$790.00} XX/XX/XXXX XXXX XXXX XXXX  {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX  XXXX  {$380.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  {$220.00} XXXX XXXX
Product: Debt collection

i disputed this XXXX bill. i was a victim of identity theft. the last collection agency was notified and it was removed from my credit. i would like this removed and blocked from my report immediately
Product: Payday loan, title loan, or personal loan

Yes and Hello I was first approved for a loan for the amount of {$270.00} in XX/XX/XXXX and had to pay a full amount of {$270.00} only in XX/XX/XXXX no interest because it was the due date the XX/XX/XXXX or XX/XX/XXXX of the month. Now i reborrowed in XX/XX/XXXX and was approved for {$250.00} and my due date was XX/XX/XXXX, {$250.00} only no interest if i pay on time. I pay it on time for {$250.00}. Now XX/XX/XXXX come around I reborrowed and was approved for {$250.00} so I accepted it. And when XX/XX/XXXX comes around they said I owe XXXX with interest I said no I just paid my last 2 loans with no interest. I'm not paying so if this go further I will make a complain with your company for Fradulent papers because I pay the last 2 with no interest and damaging credit.
Product: Debt collection

I was in a car accident on XX/XX/2022. 
XXXX was called and XXXX XXXX XXXX XXXX arrived and took me to XXXX XXXX in XXXX, GA I did not have a choice of ambulance as this was the company dispatched by XXXX. 

XXXX XXXX XXXX XXXX received payment for services from XXXX XXXX. 

However, they are still demanding the full amount and not accepting the amount from XXXX XXXX. They do not accept the write off from insurance amount of {$2000.00} and I am now in collections for this amount.

I spoke with the ambulance service and gave them my attorney 's information. They are listed as lien against my lawsuit and will be paid once it settles. 

XXXX XXXX XXXX XXXX contracted with Wakefield and Associates, as a collection agency collected on the balance on the ambulance. 

I spoke with Wakefield and Associates and gave them my attorney 's information as well. 

I filed a dispute with XXXX as Wakefield is listing my medical debt on my credit report. 

Wakefield and Associates is still listed on my credit report. 

New legislation has rendered medical debt not allowed on credit reports. 

I am requesting Wakefield and Associates be removed from all credit reports. 

I would also like to request an investigation into XXXX XXXX XXXX XXXX practices. XXXX XXXX was already paid by my insurance company. I did not have a choice of which ambulance service to use as XXXX was called and dispatched the company. I, and any other person, using this service must not be penalized and cooerced into an additional {$2000.00} fee. This practive of ambulance services demanding more money over and above the insurance payment, as well as the harrassment by collection agencies must be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the Secretary of State and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.
Product: Debt collection

Hello and how are you? I was shocked today when I reviewed my credit report and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from ( SWC Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ) that I never have dealt with before and i see a balance of {$240.00}. 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: Debt collection

This agency continuously calls me at work even though they have been told numerous times in writing they are not permitted to do so. They are also well aware this debt is not valid. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is a blatant violation of FTC laws. A quick search of your records demonstrates this company has no problem disobeying your rules. They need to be shut down.
Product: Debt collection

Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,
Product: Vehicle loan or lease

We contacted Infiniti XX/XX/XXXX and asked them for options we had for the end of our lease. Our lease would end with our XX/XX/XXXX payment. We asked if we could complete all the payments and return the lease early. They said no even if we made all payments it would be as if we abandoned the car. We then called about paying it off and we were told we could not sell it to a third party but we will need to buy it ourselves and pay an additional XXXX in fees - only way it would be about XXXX to payoff not the XXXX as stated on payoff. We then asked about selling to XXXX  XXXX or another 3rd party- NO we were told and we would be in major trouble and have to get the car back if we did and have a lot of issues. When we started this lease in XX/XX/XXXX we were told we could sell it to a 3rd party or if we bout it it would be the payoff amount on the documents not some higher fee. Bate and switch!!!!!!