23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made the attempt to have " ARS '' Account Recovery Services Inc. Validate the alleged debt that they say I owe. 

They are in clear violation of the F.C.R.A., and F.D.C.P. title title 1692 -1692p of the United States Code FDCP tile 809 and the 1974 privacy sec 552A.. This is not a refusal to pay but a demand to validate the debt.
Product: Debt collection

This complaint involves XXXX XXXX and their collection agency Perfect Collection. I signed up for XXXX 's services in XXXX 2017. The agreement was that this was a month to month contract, no obligations, cancel at any time. I paid for the equipment installed IN CASH. I later had to cancel their services due to faulty equipment, horrible customer service, and for being sold a subpar security system. I gave the company proper written notice and they acknowledged the termination of the agreement and the fact that I was under no further financial obligation. I just ran my credit report only to find out that the account was placed in collection as of XXXX 2017???? This is the WORST company I have EVER dealt with. How can this happen? I would like to request that someone look into their practices as they are fraudulent and overall their services are a complete scam.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  XXXX  2024 I am Re-Submitting Complaint about XXXX XXXX University, XXXX XXXX, and Credit Karma : ACCOUNT PAID IN FULL ; XXXX! 

RE-AGING ACCOUNTS AGAINST FCRA! 

PERPETUATED BY CREDIT KARMA, and XXXX XXXX as they FOSTER ILLICIT ( INCORRECT DATA ) ATTEMPTING TO DRAW CREDIT REPAIR INCOME!
Product: Debt collection

I originally sent portfolio recovery associates a check on XX/XX/2022 to satisfy a debt owed by them but it was lost in the mail at the time so I stopped the check and had a new one sent out on XXXX XX/XX/2022. The original stopped check was delivered on XX/XX/2022 at XXXX XXXX  in XXXX VA. I had sent the live check via certified mail ( that had to be signed for ) on XX/XX/2022. The live check was signed for on XX/XX/2022 at XXXX XXXX in XXXX, Va. I stopped the original check because of it being lost in the mail and I wanted to make sure that the debt collector would get paid in time to satisfy the settlement. I will enclose the check numbers, picture of receipt stating someone signed for the check, and tracking numbers for both the live and stopped check, etc. I also want to state that I called the debt collector and informed them that I stopped the original check and the new one is on its way. The debt collector told me that it would be documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX i was a Victim of Identity Theft i am having a problem with XXXX With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} i contacted XXXX and Made A Dispute for this Account and XXXX Denied the Dispute and the Information was not remove from my Credit Report and i Contacted XXXX Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My XXXX Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why XXXX Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXX BANK XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested Equifax to removed XXXX XXXX XXXX from my file, since 2019. This account was never my account. I never has had business with this company. And by its cc looked that Equifax is unable to removed this. Equifax has no right over the consumer affair code to keep playing with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIESXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

we purchased our home in XXXX, due to health issues we need to sell it. We bought the home from XXXX XXXX. It was a foreclosure home. 
We have discovered XXXX undisclosed liens on the mobile home, these liens were both discharged in XX/XX/XXXX. We have received a release to lien from XXXX for the one that they had. 
However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXXs and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.
Product: Debt collection

RE : Acct # XXXX To whom it may concern : This letter is regarding account # account number. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status Furthermore, this account needs to be removed from credit profile due to it showing a past due balance of {$620.00} and a term of 1-month ( See exhibit A ). Unless a contract was signed directly between myself and ASMER COLLECTION SERVICES this account can not report a pas due balance nor can it report in 1-month terms. This account reporting is in violation of FCRA. 



Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit XXXX application only, and that they only had power of attorney / permissible purpose for XXXX inquiry to XXXXXXXX XXXX  because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of XXXX ( XXXX ) times to XXXX separate institutions ( XXXX XXXX and Global Lending Services ), and also provided me with an adverse action letter for in-house financing, making XXXX ( XXXX ) total deposits. Global Lending Services received XXXX ( XXXX ) of those deposits, as evidenced by their own correspondence ( attached ). 

The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of XXXX securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. 

The Federal Reserve XXXX, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per XXXX XXXX XXXX ( g ) ( XXXX ). Since none of these applications were returned to me, and since XXXX XXXX allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. 

As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. 

I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.
Product: Debt collection

Received letter from XXXX XXXX XXXX from a paypal debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with paypal as requested by cc company. This debt was identify theft and already resolved a while back.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of about XX/XX/XXXX, I have been disputeing the inaccurate information on my TransUnion, XXXX and XXXX credit reports, it 's been 5 months now and to date, I have 4 items removed, I have hand written all dispute letters and I have nortorized them all, a total of 4 letters, and have waited each time for their response, so I can respond, but all I receive is a report stating the have been verified through the furnisher, but all the original creditor can provide is an account statement, I ask Everytime for them to please send me the original, or a copy of the original document that was signed to open this account with my signature on it, that they are required to have on file, neither the beaures or creditors have this on file, a account statement is unacceptable, that is not proof it is mine, I have recently filed a complaint with the ftc, and I have XXXX  XXXX helping now, but this is a drawn out war, I do understand they are private organization but need to be better regulated
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month my credit dropped nearly 146 points after navient incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. Navient and XXXX  consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing
Product: Credit reporting or other personal consumer reports

According to Experian, the report number XXXX generated in XXXX XXXX by them His research results were as follows and I quote " We are responding to your request to verify item ( XXXX ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time '' They mention a personal report with the name, address and phone number of the credit grantor who verified the information that I never received. Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure. With that result, Experian are clearly violating 's federal regulations. I would not like to think that because I'm an American citizen who lives in XXXX XXXX they are discriminating with such an important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This property was sold well over a year ago. I no longer own the property and this is not an active account and should not be showing up on my credit report. This incorrect reporting of lates on an inactive account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

I called Easypay Finance today XX/XX/XXXX at this number XXXX. I told their support person that today on XX/XX/XXXX, my account was drafted for {$100.00}. I asked Easypay if they could see this amount being drafted at the beginning of every month. 

They could not see it. They told me that my account is current -- and that it is on schedule every month on the XXXX for {$130.00}. I can see on my checking account for XX/XX/XXXX for {$130.00} that it was drafted. It appears I am holding my end of the agreement. However, they could not answer why or where the {$100.00} being drafted is coming from. 

The person over the phone confirmed they could not see any late payments. 

The person over the phone could not tell me why the drafted payment of {$100.00} exists nor could they see it. They recommended I e-mail XXXX. I asked kindly if I could please have a phone number to ask about this. They could not provide a phone number. 

Every beginning of the month, I am constantly drafted an additional {$100.00}. In addition, I received a text message from " XXXX '' to my phone number at XXXX today saying " XXXX : [ name ] your XXXX XXXX acct was due XX/XX/XXXX. Pay now at my.easypayfinance.com or call XXXX. '' This is contradictory to what the folks on the telephone have told me. This is also contradictory to what my checking statement says on XX/XX/XXXX showing the drafted payment of {$130.00}. 

I am shocked. My account is current and Easypay Finance are unable to tell me where this amount of {$100.00} is going. I have e-mailed XXXX today and have not received a reply yet, however I am very concerned and I wanted to let CFPB know this is not good business practice. I should be able to call someone over the phone about this and have this clarified immediately. 

XXXX regards
Product: Credit reporting or other personal consumer reports

The following XXXX XXXX credit card account : XXXX currently listed on my XXXX and Equifax credit report is a lost/stolen credit card account and card. XXXX XXXXXXXX credit card is lost/stolen.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/year> and noticed some incomplete and inaccurate information. According to the Fair Credit Reporting Act ; Whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account # XXXX ( XXXX ) is not complete or accurate. I have attached evidence to support my claim to DELETE these accounts from my credit profile due to factual disputing and agencies not properly investigating my disputes. In accordance with 15 USC 1681 i 5 they're supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly Delete that item of information from the file of the consumer, ot modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from consumer profile. Also according to this law they're supposed to provide me a description of the investigation according to 15 USC 1681 i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer description referred to in paragraph ( 6 ) ( B ) ( III ) by not later than 15 days after receiving a request from a consumer. But they did not do so. According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, XXXX and Trans Union credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Product: Mortgage

XXXX XXXX  XXXX  is over collecting escrow. 

XXXX as of XX/XX/XXXX with taxes and insurance paid {$2900.00}. 

Collecting {$700.00} per month. 

Estimated cost for XXXX : Taxes ( {$2800.00} ) Insurance ( {$3500.00} ) Estimated over payment for XXXX - XXXX Estimated escrow balance for XXXX - XXXX
Product: Debt collection

Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.