23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've been trying to dispute this alleged collection debt of {$720.00} that XXXX XXXX ( CV ) claims I owe. I sent CV my first certified letter dated XX/XX/XXXX, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from XXXX XXXX should be ceased and removed from all my credit reports. 

CV replied with a letter dated XX/XX/XXXX, stating that they completed their investigation and found the debt " valid. '' Their verification included a letter from XXXX XXXX XXXX, which appears that CV contacted XXXX XXXX XXXX under " my name and current mailing address. '' That letter included an itemized bill, but no sight of any signature agreeing that I pay XXXX XXXX. CV 's evidence is invalid. 

I sent a second certified letter dated XX/XX/XXXX, which CV received on XX/XX/XXXX. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from XXXX XXXX since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my credit reports
Product: Credit card

On XX/XX/XXXX, I received notification that payments on my XXXX credit card account would be reflected as " Robinhood Card '' on my statements. It was unclear to me from this notice whether this meant XXXX is now or was at any time owned by Robinhood. 

On XX/XX/XXXX, I received a notification that my credit limit decreased by {$2100.00} as a result of periodic account review. I was informed if I made a payment of {$4000.00}, my limit would be restored back to its original limit. I did not make the additional payment. 

On XX/XX/XXXX, I made a partial payment on my account in the amount of {$300.00}. The credit did not post to my account until on or around XX/XX/XXXX. 

On XX/XX/XXXX, I made an additional payment on my account in the amount of {$300.00}, as it was unclear whether my XX/XX/XXXX payment was or had processed. The credit did not post to my account until on or around XX/XX/XXXX. 

Prior to this change to Robinhood on XX/XX/XXXX, any payments to my account would reflect immediately without delay and on the same day the payment was initiated. In addition, it appears my credit limit was reduced intentionally in order to bring me over my credit limit to charge additional over the limit fees and increase my interest rate, as well as negatively impact my credit score by reflecting a high usage to limit ratio. I have never been late on payments on my account and I have not ever gone over my limit until the credit limit change was initiated by Robinhood. I believe these actions are predatory acts by Robinhood and done intentionally to collect late payment and over the limit fees, including increasing interest rates as a result of any over the limit breaches.
Product: Mortgage

I am currently dealing with an insurance claim from when my home was hit by a hurricane. My husband and I had to hire a public adjuster to get us the amount of money needed to fix the house. The public adjuster charges a fee of 10 % for this service and has you write them a personal check for the fee when they endorse the insurance check. Mr. Cooper endorsed and sent back all our previous checks with no paperwork needed but are refusing to do it with this one until we submit to them contractor paperwork. This is not an issue, but they are also refusing to release the portion of the insurance check I need to cover the personal check I have written to the public adjuster, putting a financial hardship on me because I am now in a position of bouncing a check and overdrafting my account. I also believe this is technically theft Mr. Cooper 's part since the public adjuster was included as a payee on the check and since they will not release the money to me that I need to cover the check I have written them or pay the public adjuster themselves, they have stolen the public adjuster 's portion of the proceeds. I have talked to them several times about releasing to me the money I need but the will not.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the Credit Reporting Agency Equifax, Incorporated. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax , Inc decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax , Inc being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Product: Payday loan, title loan, or personal loan

I made my XX/XX/2021 payment in XXXX of 2021. The company says that because I did not make my payment " closer '' to the due date, that the funds meant for my XX/XX/2021 payment was posted to principal and they are refusing to post the funds to satisfy my XX/XX/2021 payment. After complaining to the CFPB prior, and after trying to get satisfaction from Upstart Servicing, they told me today that " my request has been addressed and they consider the matter closed ''. Excuse me? No, it is not closed, not until they post my XX/XX/2021 payment correctly. In fact, my goal was to make as many payments this summer as possible and pay this loan off when I get my bonus at the end of the year. But, Upstart has decided to ignore their consumer. I have no intention of making a XXXX XX/XX/2021 payment. Also, Upstart needs to ensure that there will be NO LATE CHARGES assessed or negative reporting the credit bureaus. I am demanding that my payment be posted to my loan exactly how it should be posted, to satisfy my XX/XX/2021 payment.
Product: Debt collection

I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. This is my follow-up complaint regarding the submission dated XX/XX/XXXX. Despite our previous correspondences and the efforts made thus far, the fraudulent items remain unresolved. These entries are causing significant distress and negatively impacting my financial standing. It is imperative that immediate action is taken to rectify this situation and remove these inaccuracies from my credit report. I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Below are the fraudulent items that need to be removed from my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis via their email at consumer.documents@LexisNexis.com and provided them with authentication documents including my driver 's license, social security card, and a recent utility bill for my current address. I have attached them here as well. 

I am needing them to update my business phone number for my business called XXXX XXXX XXXX XXXX. The correct and current phone number is XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX - Charged by Target for a return payment fee ( {$28.00} ) XX/XX/XXXX - I called into Target Customer Service who said the payment was withdrawn from an old bank account. I let them know that the account it was withdrawn from had been closed almost a year and I had made subsequent payments on my Target credit card multiple times from the correct/active bank account. They could not tell me why the payment was drawn from my old bank account. The Supervisor I spoke with asked that I log into my account to delete the old bank account - when I logged in and told her it was already removed, she told me that they had removed it already for me. I asked how I could be refunded the return payment fee and she said that it could only be removed if it was a processing error on their end. They were not able to tell me why this didn't constitute as a processing error or why it had been withdrawn from an old account. Since they were not able to refund the return payment fee, I elected to cancel my credit card immediately.
Product: Credit card or prepaid card

In XX/XX/XXXX I entered into a payment plam agreement with Old Navy. I was told that, after completing the plan, I would still be able to use my Old Navy credit card. This was during the the time period where consumers were getting grace due to COVID. I successfully completed my payment plan. In XX/XX/XXXX, I tried to make a {$70.00} purchase and was declined. When the cashier looked into the reason for this, she was told that my card was closed and I would have to reapply. I should not have to reapply for a card for which I had fulfilled a payment agreement.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding a collection account listed on my credit report from XXXX XXXX XXXX. According to my Experian credit report, this account is set to be removed on XX/XX/2024, as it is past the XXXX  reporting limit mandated by the Fair Credit Reporting Act. 

Despite this, when I contacted Experian customer service, they did not acknowledge their own report and suggested that the account may still remain for a few more years. This response is unacceptable and does not comply with federal law. 

I am requesting that the CFPB investigate this matter and ensure that Experian adheres to the regulations regarding the removal of outdated information from credit reports. I would like to have this collection account removed from my credit report as soon as possible. 

Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.
Product: Mortgage

My wife and I purchased a home ( XXXX XXXX XXXX, XXXX, NY XXXX ) in all cash purchase that closed on XXXX XX/XX/2022. Subsequently we have sought to obtain financing on the property but this has been complicated due to the failure of the sellers ' mortgage servicer ( Chase Bank ) to file a satisfaction of mortgage with the city. Efforts to contact the lienholder XXXX XXXX XXXX, successor to XXXX XXXX Bank ) and Chase have been unsuccessful. Chase will not discuss the matter with me because we are not the persons named on the mortgage note, which is in the name of the sellers of our property. We have copies of the cheque issued to Chase as part of the closing from our title company and other documentation but it is seemingly impossible to get this XXXX lifted from our property.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times and sent in information regarding identity theft, the company has yet to remove the following fraudulent inquires from my credit report XX/XX/24 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid this balance of {$560.00} on XX/XX/2023 for a medical bill to that Remex bought from the company. Which has not been undated and needs to be removed
Product: Credit reporting or other personal consumer reports

I called XXXX to dispute a fraudulent account on my credit report that I did not apply for. The first representative refused to help so I got transferred to a manager, the manager was also no help and when I requested what documents they had received, the representative hung up on me.
Product: Consumer Loan

I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract. 

So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX. 

When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX. 

Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease. 

I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent. 

I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent. 

I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.
Product: Credit reporting or other personal consumer reports

Ability recovery services is reporting a debt from XXXXXXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.
Product: Debt collection

I am just reporting because my mother called me saying some woman was telling her I have debt and that her name was XXXX XXXX and that she needed to know my location around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolute Resolutions has been reporting information to XXXX, XXXX and XXXX that is inaccurate and fraudulent under 18 U.S Code 1028 ( d ) ( 12 ). They have consistently tried to sue for monies not owed to them. They have NOT provided proof of any kind, with a LAWFUL two-party contract binding both parties signed in wet ink by both parties, bearing my signature, to prove I in fact owe this debt. Therefore they are committing fraud to collect on a debt not owed. They have failed to comply with FDCPA, 15 USC 1692g Sec. 809 ( b ) which states I have the right to dispute the debt and request validation of the information they claim to have on file. I have been sent NO proof. They have currently violated 8 of my rights as a consumer and continue to not comply with the Fair Credit Reporting Act, the Fair Debt Collection Practice Act and The Uniform Commercial Code. I am taking the next step to seek remedy for damages per violation at a minimum of {$1000.00} each. It has been over 90 days and I am requesting to have this account deleted immediately and cease further attempts to collect on the said debt before further action is taken.
Product: Money transfer, virtual currency, or money service

I purchased a money order in the amount of XXXX at a XXXX XXXX XXXX in XXXX XXXX Utah on the XXXX of XXXX needing to make my rental payment in this amount by the XXXX with the holidays they were closed until today being the XXXX to avoid late fees I loaded my prepaid card and paid the balance there at the same time I loaded my card being the XXXX of XXXX once I seen the transaction using my card went through asked if I could cash out the money order they stated I had to wait XXXX hours from time of purchase today the XXXX being well past the time needed went to cash the money order I purchased at the same location with receipt in hand of the money order purchase was told it was declined based off certagy when calling the number said all decisions are final I'll be damned if I paid XXXX dollars have the receipt in hand and can't get my money back I didn't write on the check other then what I was told by the store clerk this evening it was not altered in anyway and I have all needed proof of purchase. Why did it get declined? It's never stated anywhere this is a possibility