23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a certified letter notifying XXXX XXXX ( XXXX location ) of my intent to cancel my membership on XXXX. It was signed as received on XXXX. I did have one month balance owed at the time, which was paid online immediately. 
Since that time, they have not cancelled my membership, and continue to email me and call using an auto dial system every day. They continue to add charges they want money for. 
I have spoken with ABC solutions ( their management company ) on two occasions, the latest on XXXX, and they say they don't have the ability to cancel the membership but that they'll contact the club owner.
Product: Mortgage

This was in 2018 Well Fargo, put my Property in foreclosure because they Draft from the wrong account and the money was not in that account. I were just beginning to get on track with my payments from a foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  Address : XXXX XXXX XXXXXXXX. XXXX. XXXX Phone Number : XXXX Fax : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : XXXX Fax : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : XXXX Fax : XXXX XXXX To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
Here as follows are items in error : MID FL FINANCE ACT # XXXX BALANCE : XXXX MID FL FINANCE ACT # XXXX Balance XXXX BOTH CREDIT ACCOUNTS REPORTING REPOSSESSION WITH DIFFERENT INACCURATE TO ALL XXXX  CREDIT BUREAUS. UNDER 15 USC 1692G. 
VALIDATION OF DEBTS, This is a violation of my consumer rights, please delete immediately. Please delete this account immediately for failing to do your due diligence making sure everything is XXXX  % accurate on my report. 
I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement Of Identity Fraud XXXX. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over XXXX  days old. Thank you for your cooperation in this matter, XXXX XXXX
Product: Debt collection

The complaint is filed against XXXX XXXX XXXX XXXX Financial Advisor XXXX XXXX XXXX XXXX XXXX for demanding upfront money for co-payments of {$150.00} per day on XXXX XXXX while NO BILLING was presented to my health insurance company. Such fraudulent attempt to collect upfront money is illegal. His illegal action was reported to XXXX XXXX and to my health insurance company and is disclosed to this Agency. Additionally, his harassment and illegal action to collect monies upfront is included in the medical malpractice case against XXXX XXXX XXXX XXXX. <P/>The dispute of charges started with XXXX XXXX XXXX XXXX to stay only 3 days as Inpatient. During those 3 days I was XXXX with an excessive amount of XXXX and XXXX XXXX which caused XXXX XXXXs. As the result of such medical malpractice I had to seek additional medical care at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX causing additional medical care expenses. Presently, I am making monthly payments, some have been paid in full and the disputed balance is pay in monthly payments, XXXX, XXXX and XXXX XXXX and next payment is due on XXXX XXXX, XXXX. Therefore, as long a payment is made, the balance can not be sent to collection.
Product: Credit reporting or other personal consumer reports

On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is directed to XXXX XXXX XXXX Credit Card. 
On XXXX XXXX, I took a guarantee offer from XXXX XXXX, stating that my approval odds in applying for XXXX XXXX XXXX Credit Card is outstanding and that they will credit me a {$50.00} amount if I get denied. 
I understand that this ad or promo does not guarantee me of 100 % assurance since I have had a fair share of denials in the past while I was just starting to build my credit history. To this date, I have XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and just recently, a XXXX XXXX Credit Card. All of which had an eligibility screening. Meaning, I can only apply if I am eligible. 
The main problem I have with XXXX XXXX is the illogical reasoning for my denial, they stated that I AM NOT ELIGIBLE. That should only mean that I should have not received an offer, I should have not pass an initial screening process because again, I am not at all eligible. 
It is a false or misleading act that only causes a hard inquiry on my report. The process did not even take a couple of minutes because I AM NOT ELIGIBLE. It is nonsensical of them to invite customers then just turn us down because WE ARE NOT EVEN ELIGIBLE.
Product: Credit reporting

XXXX XXXX XXXX has reported my account information incorrectly for many years. Despite repeated disputes, Experian always verifies the incorrect information. This has been disputed with Experian at least 10 times in the last 3 years Experian reports XXXX 2009 30days XXXX 2009 30 days XXXX 2009 120 Days XXXX 2009 90 Days XXXX 2009 Repossession XXXX 2009 30 Days This report is obviously incorrect and it should be noted that Equifax has completely different numbers that are also incorrect ( complaint filed also on XXXX ) Correct reporting is the account went 30 days late XXXX or XXXX of 2009, no payments were made ever again and the vehicle was repossessed in XXXX XXXX 2009 Both Experian and XXXX claimed to fully investigate and state these are the numbers provided by XXXX XXXX XXXX. Since both have different numbers someone has failed in fully investigating. There have been numerous phone calls with Experian supervisors who agree the reporting has to be incorrect but they never change it and any dispute comes back as verified My belief is that the credit bureaus have failed to investigate and XXXX XXXX XXXX has deliberately reported incorrectly to punatively keep this item on my credit reports beyond the mandated 7 year reporting period. ( complaint also filed on XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit companies trans union, XXXX and XXXX, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. XXXX disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with the three major credit bureaus and the investigation took well over 30 days.
Product: Mortgage

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, XXXX, XXXX This is a formal complaint against Wells Fargo Bank. 

My credit and personal information was used with FRAUD purposes by Wells Fargo Bank from XXXX. 

Wells Fargo had settled a law suet for millions of dollars ; I file a clain to be compensated for damages and abuses made on my name and my line of credit. 

1- I call XXXX and made a verbal claim XXXX. on XX/XX/XXXX XXXX I requested a form and was fill out and sent via mail XXXX 

And until this time XX/XX/XXXX, I had not received the financial compensation promise by Wells Fargo Bank, after a settlement was agreed to pay to all costumers for unauthorized use of name and credit to issued false loans on homes, properties, and personal loans. 

All these transactions are still posted iat XXXX XXXX XXXX XXXX courts which had damage my creline record for life.
Product: Debt collection

called mothers cell phone acting as a compliance company and when i called back they acted like a debt collection mitigation company where they would assist with resolving a debt for a credit card i had. made XXXX payments but later discovered they were a scam since they did not have my correct account information. every time i would call and question, they would become hostile and start yelling and escalating my questions to a supervisor. they never were able to provide any paperwork or any written information and the receipts sent were very vague.
Product: Credit reporting or other personal consumer reports

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XX/XX/XXXX Balance Owed : {$540.00} ; XX/XX/XXXX Balance Owed : {$4000.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX Balance Owed : {$1700.00} XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was a fraudulent check that was processed on my account from XXXX for {$2200.00} I never had any paper checks that I purchased on any of my navy federal accounts. I spoke with XXXX and confirmed that they didn't withdraw that amount on my prior closed account that I had with them. This account was closed as of XXXX. I also had them send me a print out that showed all transactions that were processed on the account that I had with them prior. This was not associated with the account and whatever this payment went to was nothing that I was associated with. I have been trying to get these funds back since XX/XX/XXXX. I filed a fraud claim that was denied, and filed and appeal in XX/XX/XXXX and was told it would take 15 days to process. I still have not received any updates nor a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus continue to report inaccurate information on my credit report : Transunion XXXX XXXX ( includes secondary reporting agencies ) Each agency has received a request for validate a debt and they have merely sent a letter back stating that the accounts have been verified. They have not been able to provide proof of validation as outlined in 15 U.S. Code 1692g. This has caused me undue stress, has led to denials and other negative consequences.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gra
vens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The following are the accounts in question : 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 card or prepaid card

I have a paypal credit account and I used it to purchase three eyeglass frames from XXXX. When the order was delivered I advised the company that I did not receive it nor did I sign for it. The company would not help me so I turned to my credit card company Synchrony Bank for assistance and they would not help me with the issue cause it showed a signature I still advised them that it wasnt me. 

I disputed several times up until last month where I provided a letter from the post office indicating that the carrier sign on my behalf because of Covid 19 protocol and left the package and they would not reinvestigate my claim
Product: Student loan

Hello, Just received another phone call from Navient regarding my non-qualified private student loan. I was warned today that my loan will soon go into default if I do nothing and do not bring it current. Apparently, Navient has no intention of halting collection on my loan. I have attached a billing statement from XXXX that shows that the owner of the loan that Navient now services is XXXX XXXX XXXX XXXX. I have included another copy of my XXXX  XXXX discharge order as well. 

Thank you
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report I noticed charge-off remarks being reported by United Auto Credit Co. United Auto Co. never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws United Auto Co also failed to follow 9-506,9-611,9-612,9-613 by phone or U.S. mail.AS for FCRA United Auto Co violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau , and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State , or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.