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

The following information attached to this complaint is a formal request for the permanent removal of the following accounts due to a lack of response from the corresponding creditors of each inaccurate or incomplete account after reinvestigation : Account Name XXXX XXXX XXXX  ; Type : Installment - Account # XXXX Account Name : XXXX XXXX XXXX Type : Installment - Account # XXXX Account Name : XXXX XXXX ; XXXX : Installment - Account # XXXX Account Name : XXXX Type : Revolving - Account # XXXX I attempted to verify these debts and received NO RESPONSE from the above companies ( see attached proof of this verification. ) According to FEDERAL LAW, creditors have 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. These debt are NOT mine nor can they or have they been verified as factual or accurate and need to be removed immediately from my credit report. You have 15 days to remove the above mentioned accounts. In the event that you continue to list the disputed items on my credit report after 15 days, I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. I look forward to an uneventful resolution of this matter. Thank You in Advance.
Product: Debt collection

Per 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication. Please cease and desist all calls and any other contact with me immediately.
Product: Checking or savings account

Capital One has not provided our direct deposits, We usually get paid on XXXX morning before XXXX but now its XXXX and they still have not sent our paychecks
Product: Credit card or prepaid card

On or about XX/XX/XXXX I noticed that my account was very low. When I checked my account statement, there were XXXX  transactions from places I had never shopped which occurred while I was at work. On XX/XX/XXXX, XXXX transaction for {$100.00} and another for {$400.00} about XXXX minute apart from each other at XXXX in XXXX, TX. Also on XXXX, XXXX transactions were from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX were about XXXX minute apart. The transactions were {$990.00}, {$990.00} and another for {$990.00}. The last transaction was on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, TX for {$500.00}. I've never been to these places. I called Money Network when I noticed the charges ( XX/XX/XXXX ) and they canceled it and issued a new card but did not refund the money. I disputed the transactions with Money Network on XX/XX/XXXX but they denied my dispute so I appealed the denial on XX/XX/XXXX which they also denied. They have no email address and the phone number leads to a call center in XXXX. Money Network have been of no help. The debit card was in my possession at all times and no one else knows my PIN. Money Network is the debit card that I received from my workplace for direct deposit of my income. I have no idea how these transactions occurred.
Product: Debt collection

XXXX XXXX XXXX, said i was to be served and gave me an outlandish figure i owed without identifying what or who it was from. Calling my family members, too.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/2024
Product: Debt collection

The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX  and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.
Product: Debt collection

Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.
Product: Debt collection

A collections account was placed several years ago stating I owed balance of {$150.00} for treatment @ XXXX XXXX XXXX in XXXX XXXX Tx where I previously resided. I have contacted XXXX & XXXX on multiple occasions stating I have XXXX balance and I have the billing statement that reflects that. Ive contacted RMP services multiple times stating this info and Ive provided documentation to the collections co, Ive also disputed many times with XXXX with no satisfactory results. This fraudulent collections had stayed on my credit report for years and continues to show delinquent payment even thow Ive shown proof this amount of {$150.00} is not owed by me.I spoke to a CS rep on XX/XX/2022 and stated these same facts again.
Product: Mortgage

My loan was sold to Flagstar effective XX/XX/2021. My escrow account was {$6000.00}. Flagstar did not pay my HOMEOWNER INSURANCE from my escrow, despite telling me theyd overnight it to my insurance company. My insurance was subsequently canceled. I had to spend an enormous amount of time trying to get this rectified. Then they didnt pay my PROPERTY TAX, which incurred a late fee of {$220.00}. I contacted them XX/XX/2021 about the delinquent property tax bill. They sent me ONE email stating that that was all Id hear from them, which was ridiculous. I spent numerous hours and made numerous phone calls trying to get them to pay my property tax. No one ever reached out to again, I had keep trying to contact them. I finally spoke with a person at the headquarters named XXXX XXXX. He told me the property tax was paid on XX/XX/2021. No one ever notified me. I had asked numerous people numerous times ( including Mr. XXXX ) to inform me of any payment but I never heard back from anyone. This company is awful and the customer service is non existent.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under A open end consumer credit plan as late for any purpose.
Product: Debt collection

So this account is from like 8 years ago and I had my wages garnished untiXXXX XXXX XXXX when XXXX XXXX XXXX XXXX  and will not be able to work most like ever Im currently applying for ssdi my XXXX is worsening. They served me papers again but this time its for way more than it was before and Ive already paid some back from garnishing Ive tried calling and left emails I hear nothing back Im trying to see if they can write this off but they refuse to answer their phone or return emails and when I talked to them nicely last time the lady was extremely rude and disrespectful company is Johnson mark XXXX
Product: Vehicle loan or lease

on XX/XX/XXXX I bought a certified pre-owned XXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked to find that there were {$2400.00} extra charges in my contract buying the car which are summarized as follow : 1- The purchase price of the car we agreed and I signed for was {$13000.00} before applying the rebate I was surprised that they added the rebate to the purchase considering that should be the price after the rebate is applied not before the rebate? A {$450.00} more than the price we agreed upon. 

2- In the contract I was charged an extra {$790.00} as an charges for the bank to process my loan, but after my communication with the Nissan Acceptance Cooperation ( NAC ) I figured out that my interest rate for the loan is 0 % ( my credit score is XXXX ), and there were no extra charges collected by NAC to process the loan. I asked for proofs to justify this {$790.00} charge without any response from the manger or the team. 

3- Also, the dealership added the XXXX  protection Package for  {$1200.00}, which is useless, and they refused to remove it with any benefits that might be associated with it from my contract. 

4- the copy of the contract the bank has is different from the copy of the signed contract that I have, which actually can make the copy of the bank invalid. 

5- The car has other mechanical problems and the mechanical report was shared with manager without and response. 

In summary, In addition to the cars mechanical problems, the totally amount that I am disputing is ( {$450.00} + {$790.00} + {$1200.00} = ) {$2400.00}.
Product: Credit reporting

I have a hard pull inquiry for XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have contacted Experian about it a few different times and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. This is bringing my score down and is n't fair to me.
Product: Money transfer, virtual currency, or money service

I had been helping my spouse out and paying my rent and bills and one day I went to go take care of a bill and a agent at XXXX  told me I thought you were blocked from sending money a long time ago and she proceeded to send my transaction for my bill and I went home and had my receiver try to get there money it said it was available but when they went to receive it 2 days later I had to call them and they refunded my money in the meantime I called XXXX  and asked a manager why would she say that she said call in the morning when all the money center representatives and managers are available so I went up there the next morning and got a manager and she asked her to tell me why she said that and she said we had several rumors going on so we called MoneyGram and had your name blocked from sending or receiving money I asked them to fix it they got a attitude with me and told me to call up there and fix it I lost a lot of money behind them playing games with my name MoneyGram advised me my name is just blocked forever behind what they did I would really like them to fix this issue I also filled a complaint with there company at XXXX XXXX  complaint number XXXX that I filled in XX/XX/2017 when they told me how they slandered me and my receivers name
Product: Credit card or prepaid card

I have been try to use my login credentials to check my pass statements from Sears credit card store with out success, my credit was use on a purchase with out my authorization back on XX/XX/2019, i been dealing with stolen identity since then and proving that purchases where made with out me been present on those transactions, such as BestBuy stores and XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 moneylion allowed 5 unauthorised transactions from another bank in the amount of {$800.00} I do not know who or what the bank is I never use that bank the bank is in XXXX and moneyline told me that basically it was my fault that my online virtual banking was used I have about two disputes one on XX/XX/XXXX and the other on XX/XX/XXXX XXXX
Product: Checking or savings account

Had a savings account at HSBC bank got a letter that said refer a friend and receive {$500.00} if you open a checking account with your savings. Went to the bank to open one. The bank associate told me that she was not sure how to open the account so I would get the refer a friend money and the person who could help me was not in that day. She told me the best thing to do is open the account on line. So I went home and opened the account online because she could not do it at the bank. I went back to the bank with the account opened and the other person XXXX who was not there to help me the day before took care of the refer a friend. I waited months and got nothing so I called and they told me because I opened it up online I was not entitled to the reference money that it had to be opened at the bank. Because the bank associate gave me wrong information and did not do her job right I lost out and had a checking account I did not need or use. I deposited my 1st gov. stimulus check into the account. I asked to receive statements by mail but never got them. months later I went online to check my accounts and my checking account had minus XXXX. They had taken {$50.00} a month for 6 months out of my account and left me with a minus XXXX. After a few phone calls I got back 3 months of fees but I am still out {$150.00}. I was not told about any fees and was never notified that my account was in the minus. I really haven't been using the account at all and did not need it I only did it for the referral, now not only did I not get the {$500.00} referral money they also drained my account. I am XXXX years old and live on social security and savings and {$150.00} is a lot to me not to mention the {$500.00}.
Product: Debt collection

I have debt that I am willing to pay but XXXX will not work with me for a payment that will not hurt my current rent and ablities to care for my daughter. I have called mulitpule times to speak to someone about lowering the payments with no call backs.
Product: Vehicle loan or lease

In XX/XX/XXXX I voluntary turned my car in due to falling behind on payments Credit acceptance sold the car leaving a balance of {$7000.00}. 
On XX/XX/XXXX XXXX  the other party on the loan received a call from XXXX an employee at credit acceptance for a settlement of XXXX XXXX XXXX XXXX. Stating that once paid it would state paid and drop off of our credits. 
On XX/XX/XXXX XXXX the other party on the loan called credit acceptance to get that in writing, XXXX XXXX XXXX  she stated a letter was sent out but also stated that it would not drop off my credit and report as settled. I requested a supervisor call back. Also requested the call with XXXX be reviewed. 
On XX/XX/XXXX XXXX called stating that credit acceptance does not drop anything off of reports. I explained to her that I do know that but they do report to an agency and pay to delete is legal for paying a settlement. She continued to tell me Im wrong and would not transfer my call to anyone. She stated that the settlement amount has not been paid so how do I even know how it will affect my credit. I asked for someone in the reporting department to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX   XXXX XXXX ) XXXX,
Product: Credit card

Applied for jet blue plus card. Called because checked status online and said denied. Was told that I wasn't actually denied yet, that needed to provide more information on XX/XX/XXXX. I indicated that I did not feel comfortable sending front and back of my social security card. Was given option of sending my 1040. I asked about blacking out social security number and was told it was fine. Sent it in, waited was still denied because 1040 was blacked out. I called several times and was given the option to send it in again with my husband and daughters socials blacked out and mine visible as they were not on the card. Called next day to confirm fax number and again confirmed blacking out their socials. Faxed the document with my full social visible. Requested several phone calls back, no one called me back. Spoke to one manager who said that they didn't receive fax but confirmed again that it would be ok with blackouts. Found out I'm denied AGAIN based on blackouts. Credit was approved almost instantaneous can't get through security and continuously lied too. Employees including managers give different stories and each says the last person was wrong. Filed with the XXXX XXXX XXXX, the office of the president finally calls me back. They promise to look into it. Take a few days, get back to me that they are sending me a letter regarding the XXXX  case ( still have not received it ) and were going to make it right by me. Promised to have the letter within XXXX hours as of Wednesday XX/XX/XXXX around XXXX. It is not Thursday XX/XX/XXXX, have not received said letter, have sent multiple messages, phone calls. No responses from anyone. Feel very goated into giving information that from the XXXX phone call I informed them I was not comfortable with.
Product: Debt collection

Initially, Rubin & Rothman sent their process servers out to my parents place on several occasions in attempt to serve me papers a few years back. At the time, I did not reside at that address. 
They would come frequently, pestering my parents demanding to serve me documents for XXXX XXXX XXXX and XXXX. To the point it became a nuisance. 
Each time, theyd come to my parents asking if I was currently home, if I still lived with them, putting fear into my parents if they were withholding my location by way of threatening legal actions against me. 
For XXXX, my account was closed more than XXXX years ago before they came at me with papers. 
As for XXXX, nothing shows I owe anything on my credit history and yet I am being served with papers from the same Rubin & Rothman attorneys that have also contacted my work of Employment ( as I requested that they not to ) and now garnish my wages knowing there wasnt any proof on the credit bureaus report that I owed. These Attorneys have been threatening to take legal actions as intimidation factor so I would submit to them and their Overcharged additional processing and legal fees which is above the original Creditors supposed principal balance. 
They are difficult to get ahold of and when I do, they either have picked up after several rings, then immediately hang up. Also, have given me the round-around on who to contact or what the contract entails and so forth, all in order to confuse and press me into agreeing to their deceptively, unethical practice. They have withheld what my rights are to bind me into a contract with them. 
Theres more to add. As of now, I wanted to state this.