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

I am writing to formally address and dispute the collection account being reported by Grimm Collections, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with Grimm Collections, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to Grimm Collections regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support Grimm Collections ' claims to the contrary. 

Furthermore, Grimm Collections lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by Grimm Collections, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by Grimm Collections or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward Grimm Collections due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither Grimm Collections nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, XXXX, XXXX, Grimm Collections, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or Grimm Collections are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by Grimm Collections and XXXX XXXX until these issues are satisfactorily resolved.
Product: Mortgage

I purchased my home XX/XX/XXXX with XXXX XXXX XXXXXXXX. The previous owner died in XXXX and her children sold the house. Previous owner defaulted on a XXXX loan with Key Bank and now Key Bank is now coming after my house pursuing foreclosure process because of the defaulted loan. I am experiencing a lot of stress because all of the letters that I am receiving about the foreclosure and letters telling me to file bankruptcy and taking my property. I contacted XXXX XXXX and my title company said they paid Key Bank for the lien before I closed. Key Bank is saying they didn't receive the payment. Key Bank have tried to serve me & now sent certified letters to me and both my lender. I need help immediately to stop this process of taking me & my children 's home.
Product: Debt collection

Evergreen Recoveries XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this may concern, XX/XX/XXXX This letter is in reply to your recent Investigation Results from XXXX & XXXX. Where the two Account Investigations of each identical account information are simply incomparable. Where the following list of Accounts have been Deleted by XXXX ; File Number XXXX : See addendum # 1, 2 pages. 

While XXXX  reports ; Credit File Confirmation # XXXX : WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS UPDATE *BALANCE * BALANCE DATE. See addendum # 2, 4 pages. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ).

Simply said, if the account information presented here is Unverifiable, Inaccurate, Incomplete or Misleading with XXXX. It can not at the same time be Verifiable with XXXX. Where they propose that We have verified that this item has been reported correctly. Only to then list the Modified status of each account in the next sentence. 

Clearly Evergreen Recoveries is not responsible for the Information being collected and sold to Creditors by XXXX. However, Evergreen is responsible for Deleting these accounts from your files, with prejudice. 


Regards, XXXX XXXX XXXX CC : CFPB WA Dept of Licensing File
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to a fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a late payment with the 3 credit bureau 's and contacted Navy Federal asking for an accommodation because of the CARES Act signed into law in XX/XX/2020. I have 1 late payment in XX/XX/2020 due to the Coronavirus.
Product: Checking or savings account

On XX/XX/2022 I was notified via automated email that my Chime bank account was being close that day. I am completely cut off from my own money without any warning. Every dollar I had to my name was in this account and when I called and emailed Chime I was met with the same non response. That they couldn't tell me why my account was closed and could not reopen it. That a paper check SHOULD be mailed to within 30 business days for the amount that was in the account at the time of closing. 

I'm horrified and scared. I have no money and I have no idea what to do. Chime is literally a criminal enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX  XXXX  XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I paid the collection amount of XXXX XX/XX/XXXX they told me this will be removed from my credit profile they sent me a deletion letter and receipt of payment. The account has not been removed from my credit profile. This has been disputed multiple times and has come to no resolution. Thursday XX/XX/XXXX I spoke with an Experian rep who told me there was nothing she could do because the company said no they are not removing the account from the profile. She gave me a number to call with a name. Friday XX/XX/XXXX I called the company and she told me its the Bureau thats supposed to remove the account because they submitted it to be removed. She stated the person Experian gave me does not work there and has not for years. She continued to get hostile with me as Im telling her I understand and was trying to get clarification on the issue. It has been 5 months Nothing has been resolved and the account is still on my profile. If this person has not worked there for years where is Experian getting the information from? It seem as if CSPB is not taking the proper action or Experian is not conducting a proper investigation of the documents submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is XXXX me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your help/
Product: Money transfer, virtual currency, or money service

I was scammed by an online seller through the app, XXXX. I sent {$160.00} on Monday, XX/XX/2020 to a " XXXX XXXX '' that I'd met off XXXX. I sent the money, and the tickets were never sent. I did a reverse phone search for the phone number attached to the XXXX account because that is definitely a fake name. The real name of the scammer is XXXX XXXX. A simple XXXX search told me that. I've reached out numerous times via text, phone, email, facebook ( Again, all available online. ) I just want my money back but my bank refuses to follow up because of the terms of use from XXXX. I think XXXX needs to reassess their terms of use as their app is used entirely by scammers trying to defraud innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Enhanced Recovery Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX  on my behalf, and filed a complaint against your company. 



Remove the fraudulent account for {$970.00}
Product: Credit card or prepaid card

My account was banned last year for no reason and they told me wait 180 days. Ok even though thats extremely long I waited. After 180 days I still have not received an email! I emailed them and they said just wait for an email. Theyre not even following theyre own rules! How you have a policy to hold funds for 180 days then when that day come you cant give me my funds. The 180th day was XX/XX/XXXX and I still didnt receive an email to retrieve my funds. This is illegal and PayPal are scammers with a legal business. I came here because on the PayPal community center other users said they had to file a complaint to get they money back. I was hoping you could help me too. My email for PayPal is ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a car loan with Capital One that was paid off using an account that was closed before the car had actually been paid off. Did get a credit card with Capital One, which is an entire different department/company than the car department. Made a payment while out of country in XX/XX/2019 like I always do through the credit card site. I had thought everything was fine until I received XXXX XXXX   statement saying that I had been late and missed a payment. I call the company and asked what happened because I knew I had paid them. They informed me that the bank that I had tried to use to pay declined payment. That's absurd because I know there was plenty of money to cover the small amount of my payment. They informed me then that the payment was trying to be pulled from the old car account. I explained that's impossible and that now it hit my credit score as a missed payment and that I wanted it fixed. They said sorry they can't do that, but did credit me the late fee. When pressed with a manager she admitted that she was " baffled '' how that could happen and that she was able to see both accounts but that they had never been linked with the credit card. Still the answer was they can't help. Reached out again recently with the same result. So wrong that this has taken so long and it is really hurting my chances of buying a new home. All over a {$100.00} credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : 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 credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law. 
I am also a victim of the XXXX data breach and I will be attaching proof of that as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

Lies and ploys is all this greedy worthless predatory company does you CAN NOT VIEW ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Portfolio Recovery Associates has continued to call my cell phone after I have asked them not to back in XXXX of this year. They have called me 2x in a row today at the same time.
Product: Debt collection

Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX
Product: Student loan

In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. 

XXXX is the student, and XXXX is the parent-cosigner for the loan. 

At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. 

Discover asked to have the University re-certify the loan in the amount of {$36000.00}. 

XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator,  XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. 

An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. 

Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. 

On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. 

Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. 

Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. 

XXXX and XXXX XXXX would be grateful for any assistance you can provide. 

XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX fail for provide factual documents about these accounts : XXXX XXXXXXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call on XX/XX/19. Caller left a message by the name XXXX XXXX in reference to my student loans to discuss repayment options. I had just paid mine off so this voicemail seemed like a scam but the caller sounded like a regular person and not automated. They gave a number to call back to, XXXX. This number came up on the whitepages as low risk scam. The caller called from XXXX. This number came up as high risk spam. They gave me a reference number XXXX. I did not call either number. This voicemail is a scam.
Product: Credit reporting or other personal consumer reports

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 an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$500.00} Zelle told me it was my banks issue and my bank doesnt do anything about a Zelle scam.
Product: Debt collection

please remove capital one credit card from my account : the account is no longer owed capital one bank usa ( closed )