23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several request in order to receive my consumer report from Transunsion, XXXX and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I C SYSTEM ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. 

I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. 
XXXX
Product: Credit reporting

I was terminated by XXXX XXXX XXXX on XX/XX/XXXX.for having a dirty truck.immediately after returning from their selected doctor 's office for the annual XXXX jn XXXX XXXX, which was a reminder of the year before in which I sat at the terminal for a XXXX after and a few other days in which I was initially told that I would n't be paid according to my dispatcher " XXXX '' at the time. However, XXXX XXXX later relented and put {$150.00} on my card. Unfortunately, the year XXXX did not end so well for XXXX. XX/XX/XXXX he decided to make some disrespectful comments to me by saying I was " acting like an XXXX '' in front of a witness XXXX XXXX my current dispatcher at that time. XXXX had earlier givrn me the letter head paper to write XXXX XXXX up on which he had refuse to sign and stating he had called XXXX XXXX about what he had done. XX/XX/XXXX came and the safety department of XXXX shut me me down due to the lack of eye wear. After arranging another person to drive a company vehicle I was escorted around town to the local XXXX to retain some eye wear. After sitting a few more days I was told to go with my dispatcher to XXXX XXXX to get another pear of glasses because the glasses from XXXX were taking to long and XXXX XXXX could get my XXXX within an hour. The following day I was again driven to the doctor 's office to complete the DOT physical. After a sucessful completion of the XXXX I was told to report to XXXX 's office at which time I was immediately terminated for having a dirty truck. I was told that they would empty out my property and was told standby and watch. Afterwards, I was driven to the airport to get a rental car with XXXX 's permission. I returned to the XXXX XXXX terminal to retrieve some of my items. XXXX days later I returned to get the rest of my property. I later went to work for XXXX XXXX, XXXX XXXX. and In XX/XX/XXXX I went to work at XXXX XXXX XXXX XXXX for XXXX weeks at which time adverse action took place. I was told by the Safety XXXX XXXX XXXX that I had lied on my application and I told him in front of the HR women that I did n't. XXXX proceeded to say that I had failed a XXXX or refused to test in XXXX and asked who told them that at that time the HR woman said XXXX and I asked if I could see it she said " No '' then I said I 'd taken a XXXX XXXX in XXXX and I then asked for a copy of threir report and I was denied. However, XXXX did give me copies of why I had been terminated by XXXX XXXX XXXX XXXX basically saying I had lied on my application which was n't true. When I returned to XXXX I contacted all parties. The majority insisting on adjudication on this matter.NECESSARY DOCUMENTS WILL BE FAXED UPON NOTICE Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost XXXX XXXX XXXX ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... XXXX and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a Walmart charge card in my name from XXXX to XXXX and it is showing on my credit report on 3 credit cards bureaus. Needs to be immediately from credit report. The account # on my XXXX credit report is XXXX.
Product: Debt collection

Account # XXXX [ Your Name ] XX/XX/2024 Re : Request for Debt Validation Account Number : # XXXX Dear Portfolio Recovery Associates, I am writing to formally request validation of the debt you claim I owe, associated with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request documentation that verifies the validity of this debt. 

Specifically, I request the following information : 1. A copy of the bill of sale or assignment that demonstrates your ownership of the debt. 
XXXX. The complete chain of title for this debt, showing all transfers and assignments leading to your ownership. 

As stated in FDCPA 807 ( 2 ) ( A ), it is illegal for a debt collector to falsely represent the ownership of a debt. If you claim to own this debt, you are required to provide documentation that substantiates your ownership. Failure to do so may constitute a violation of the FDCPA. 

Until you provide the requested documentation, I ask that you cease all collection activities regarding this debt. If you are unable to validate the debt, I expect this matter to be closed, and all records related to this claim to be removed from your files and from any credit reporting agencies. 

Please respond to this request within the 30 days required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt you have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the al- leged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( 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 you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,
Product: Debt collection

Received a collection notice from Eastern Account System Inc. stating that I owed {$1700.00}. to XXXX XXXX XXXX XXXX XXXX XXXX. They did not send me an actual bill. I wrote them a certified letter that rquested to see the actual bill, since I was never sent this bill from XXXX and had never seen this bill or received notice of it. They sent me a generic bill with no info other than an account number and the amount of {$1700.00} written on it. I refuted this piece of paper, since it was not an actual bill. Then I got in touch with XXXX billing by certified letter and they refused to send me the original bill, even though they could clearly read it on their computer. In the interim, I was able to locate the actual bill on my computer, which stated that I, in fact did not owe the {$1700.00}! I contacted the Public Service Commission, who started an investigation. I was called back by XXXX, who stated that they were willing to help. I sent them the original bill via email. They called me back and told me that " they were pulling the bill. '' I have a voicemail that I saved from them stating this. The woman I spoke to was XXXX, her phone # XXXX. I was told that she was " senior staff ''. I sent all this info to Eastern Acct system, along with the original bill that stated that the {$1700.00} was not owed, then I wrote disputes to all credit reporting agencies, including all pertinent info attached. My dispute was not resolved by Eastern Acct System, and they reconfirmed the debt on my credit to XXXX. My efforts at speaking to Eastern Acct system, were totally fruitless, everyone that I spoke to refused to acknowledge what I was saying to them, and when I asked to send proof that I did not owe the debt, they hung up on me. The facts are as follows : I do not owe {$1700.00} to XXXX, I have NEVER received a bill from XXXX for {$1700.00} from XXXX, then this collection agency calls me and tells me that I owe that amount, and puts it on my credit. I called XXXX at XXXX today, who told me that she could no longer speak to me, and that she did " pull the bill. '' I possess the actual bill that states that I do not owe this amount. XXXX will not acknowledge my proof, and refuses to remove this from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I reviewed my dispute results online and the 2 accounts that I disputed were verified as accurate. On XX/XX/2022 Experian received another letter dated XX/XX/2022 challenging the 2 inaccurate accounts that they continue to report despite that they are not accurate. I did not receive any results from that investigation. That is a violation of the FCRA as well, just the fact that they didn't send any investigation results. XX/XX/2022 I mailed a third letter dated XX/XX/2022 in regards to the same two accounts because Experian is in serious violation of U.S. Code 1681a ( e ) as well as 15 U.S. Code 1681a ( 2 ) ( B ). In the past I have filed a complaint on Experian and they would not corporate with this bureau because they said they didn't have authorization. Well, I am not a third-party or a credit repair company. I am an educated consumer and I give Experian permission to correspond with the CFPB about this matter.
Product: Debt collection

I am submitting this formal complaint against XXXX XXXX XXXX regarding unauthorized charges and an improper collection agency referral that has resulted in unwarranted financial and credit risks for my business. 

Details of the Dispute : I was approached by XXXX of XXXX XXXX XXXX sales representatives, XXXX, who offered credit card processing services for my business. I agreed to try the service and requested XXXX ( XXXX ) handheld POS machines. When we met, XXXX had XXXX ( XXXX ) machines with him, stating that XXXX extra were mistakenly sent. I only took the XXXX machines that I requested and was never in possession of the additional XXXX. 

XXXX assured me that I could try the machines for a couple of months and return them if I was not satisfied. Per this agreement, I returned both machines directly to XXXX at XXXX of my business events, and multiple employees can confirm that he personally collected them from me. 

Unjust Charges and Collection Action : {$1800.00} Despite my full compliance with the return agreement, XXXX XXXX XXXX has incorrectly charged me for the XXXX machines I never had or retained. To my shock, this issue was escalated to the collection agency XXXX XXXX, which now threatens my business credit standing. This action is unacceptable, as the charges are entirely fraudulent and based on a failure within XXXX XXXX XXXX sales operations. 

I only had XXXX machines & they were returned ( in person ) to the sales rep. When they tried to take the {$1800.00} out of bank account, I put a stop payment as I had already returned the equipment. Also because this had happen once before where they incorrectly charged me for equipment I never even received for {$790.00}, which was finally returned XXXX  MONTHS after the mistake. 

XXXX XXXX XXXX has not once tried to resolve the issue, they have only hired a collection agency to collect the money and out my business and credit in jeopardy. I am a very small food pop up and this is affecting my business everyday. 

Confirmation that my name and business are cleared from XXXXXXXX XXXX collection records and that no negative marks are reported to credit agencies. 

Investigation into the actions of the sales agent, XXXX, regarding the mishandling of returned equipment.
Product: Money transfers

This guy I found online on XXXX I found a gaming account I would like to buy, so I messaged him and asked him I would like to buy the account from him. He told me to send {$200.00} via PayPal as friends and family personal payment. After he received the money, he constantly told to wait. But since yesterday he blocked my number and on XXXX. He now took {$200.00} of my PayPal money and I have no way of contacting to give me my money back. The transaction occurred on XX/XX/XXXX and XX/XX/2016. The payment was separate for {$100.00} and {$99.00} I had to pay {$1.00} fee for sending. Please help.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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

I signed a loan with Nissan Motors. I have not had a problem with this loan until recently. Unfortunately i had a total loss. However i was smart and purchased GAP. Since XXXX/XXXX/15 ive been trying to work with NIssan to get the loan taken care of. I have paid my account like always and i have been working with GAP to get their check issued out for the loan. This has been stressful. I have spoken to several customer service representative and customer relations and have been hung up on told different answers, have been talked to in a poor manner tranfered back into the call que. Also i have filed a XXXX complaint but the coropartion has failed to respond or do anything or even acknowledge the complaint. I have been trying to get copies of the warranty cancellation policy checks so i can sent to GAp so they can redo their portion due to the fact they under estimate what i would get back on the poiicies. I have called daily trying to get it resolved no one has helped and they are very rude. I think its sad that they cant even respond to a XXXX complaint. In the mean time another month has passed and i am now due for a payment when GAP has been trying to pay but due to the negligence of NIssan i am forced to pay even thoughi havent had to car in two months and im trying to resolve the issue. I just need some help i feel discouraged and stressed out.
Product: Debt collection

I contacted XXXX in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the Commercial Trade Bureau where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what XXXX XXXX had done, however, XXXX has not. Please help me.
Product: Credit card

I recently was declined for a credit card. My credit has been exemplary - XXXX. Upon further investigation through my bank, I was informed Capitol One was reporting poor credit to XXXX. I was told a Capitol One credit card was opened in my name back on XX/XX/year> and had a balance of {$1100.00}. I called Capitol One and told them this was fraud and a case of stolen Identity- they submitted the claim to their dispute department. I also reported this stolen identity to XXXX who also submitted a dispute. I was informed the card was closed but is still reflecting poorly on my credit as a payment I have not paid. This card was entered under my name XXXX XXXX with the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I told Capitol One supervisor ( after I was told I had to " prove it wasn't me '' ) that I have never lived in XXXXXXXX XXXX  - or XXXX  ever. They were extremely rude and unhelpful. 
I am now getting emails about overdue payments on this account ( which I never did until I called Capitol One ). I can't even access this account as it doesn't even have my correct phone number. Please help
Product: Debt collection

XXXX XXXX has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. XXXX XXXX and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.