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

To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX/GAP/TJ max, JC Penny, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the hell that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
Product: Debt collection

USAA has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I WAS CONTACTED ABOUT A DEBT THAT DOES NOT BELONG TO ME.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> and on XX/XX/year> was Cash App card was charged, in association with a company called XXXX XXXX XXXX. My phone was broken at the time. So, when I replaced my phone, on XX/XX/year> I noticed the charges. So I contacted Cash App, to inquire about the charges. So I filed a dispute accordingly. After a short investigation, my dispute was denied of aking for a refund. I didn't know what to do. So I decided to file with the CFPB.
Product: Debt collection

This account has been closed on XX/XX/year> complaint XXXX by XXXX XXXX l am writing to formally file a complaint against National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and failing to validate a debt as required by law. On multiple occasions, I contacted National Credit Systems to request validation of an alleged debt and to instruct them to cease all further communication with me until the debt was validated. Despite these requests, National Credit Systems has continued to contact me without providing the required validation of the debt. Here is a detailed summary of my interactions with National Credit Systems : Email Communication : On XX/XX/year>, I sent an email to National Credit Systems requesting that they validate the alleged debt and cease all communication until such validation was provided. Follow-Up Email : On XX/XX/year>, I sent a follow-up email reiterating my request for validation of the debt and for them to cease contacting me until validation was provided. Telephone Communications : On XX/XX/year>, I called National Credit Systems to verbally request validation of the debt and to instruct them to cease contacting me until such validation was provided. On XX/XX/year>, I spoke with a representative named XXXX XXXX, once again requesting validation of the debt and instructing them to cease all communications until they provided such validation. Despite my clear and repeated requests, National Credit Systems has failed to provide any validation of the debt and has continued to contact me, in direct violation of 15 USC 1692c ( c ). Under this section of the FDCPA, if a consumer notifies a debt collector in writing to cease further communication, the debt collector must cease communication except under specific conditions that do not apply in this case. Additionally, they have not fulfilled their obligation to validate the debt as required under 15 USC 1692g. The ongoing and unlawful contact from National Credit Systems has caused me significant stress and inconvenience. Therefore, I am requesting the CFPB to take immediate action against National Credit Systems to enforce compliance with the FDCPA, ensure that all unlawful contact ceases, and that the debt is validated as required by law. Please find attached copies of my email communications and summaries of my telephone conversations to support my complaint. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received +5 promotional offers for a credit card from Capital One Bank ( USA ), NA, in which they offerred a {$200.00} cash bonus if approved and, if I charged {$500.00} on the card within 3 months. My income is approximately $ XXXX per year with rent of approximately $ XXXX rent per month ; which is all they ask. Along with birthdate that indicates my age to be 68 years of age. My credit score is and has been generally above 800 for years. I was rejected based on income. I believe this was age discrimination and bait and switch advertising.
Product: Credit reporting or other personal consumer reports

BMOs response to my complaint is inaccurate. They have included false information and are retaliating against me in regards to other requests. I have already changed my address on ALL accounts with several representatives and they still refuse to permanent change this information on my accounts. BMO is sending sensitive information to an address I told them to update since 5 years ago. BMO has mentioned they have called me regarding the late payment but my phone provider has verified that no phone calls were ever made. Also, when I spoke with a representative prior, they told me they dont keep track of a lot of their calls so they dont have accurate information and asked ME to provide information they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX acct # : XXXX
Product: Debt collection

Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.
Product: Credit card or prepaid card

Synchrony strikes AGAIN! I am just so completely dumbfounded. I have had this complaint previously and they hide behind " we apply payments to promotions that are ending within 60 days '' WELL??? I have a promotion expiring XX/XX/2023 and XX/XX/2023. GUESS WHAT?? Synchrony applies {$98.00} of my payment to the promotion expiring XX/XX/2023. 

Once again, unless a consumer IS ON TOP OF THEIR GAME, LIKE I AM, Synchrony PURPOSES does this as a fatal default and UNJUST ENRICHMENT because they offers are DEFERRED INTEREST. If a consumer were to ignore this EGREGIOUS error the consumer would suffer a {$300.00} INTEREST CHARGE!!!!! Disgusting. 

This is on top of the fact that I did a return of merchandise to the retailer. Items purchased WERE within this very promotion, and when Synchrony processed the return they credited another promotional balance that the purchase was NOT made under. AGAIN. XXXX  Synchrony, XXXX the consumer.
Product: Debt collection

I picked up a XXXX XXXX from XXXX XXXX at their XXXX airport location on XX/XX/2021. XXXX is owned by The XXXX XXXX. It was given to me with a crack running alongside the bottom of the windshield. 

It was verbally acknowledged by the lot attendant at the time of pick up, and was not an issue for me. I assumed they knew they had given me the car in this condition, and unfortunately I was in a hurry and did not take photos there on the lot. That was my mistake apparently. 

I returned the car to their XXXX XXXX airport location on XX/XX/2021, and it was inspected upon return. There were no issues brought to my attention, and no mention of the windshield. In XX/XX/2021, representatives of XXXX began contacting me demanding payment for the cracked windshield ( that I did not crack ). I requested that they provide me with the previous rental records for that specific vehicle. These documents should indicate when the damage to the windshield occurred. They immediately ceased contacting me. 

However, on XX/XX/2021 I was notified that this matter is now in collections against me, and around {$800.00} is owed by me for the windshield. This is ridiculous. I need this matter stricken from my credit report and I need XXXX to provide me with the car 's damage reports prior to my rental.
Product: Debt collection

This company has been calling me everyday, twice daily for about 6 months. I have told them to stop calling and have downloaded apps on my phone to block them but they continue to try. They call me once in the morning and once in the evening. The last attempt was around XXXX XXXX. on XX/XX/XXXX. They've called me XX/XX/XXXX, XXXX, XXXX, etc. They call me everyday and have been for 6 months. No voicemail and I have no idea why they are calling. I pay my bills and I don't have anything in collections.
Product: Vehicle loan or lease

I would like to get the hard credit pull on behalf of Exter Financial in XXXX TX removed from my credit reports all three reports.
Product: Debt collection

During a period of extreme financial hardship, I fell behind on my Barclay Card ( LL Bean Visa ) but called and was told that I could " re-age '' the debt by making 3 monthly payments starting XXXX XXXX, 2015. I was unsure if I would be able to until the day before. Unfortunately XX/XX/XXXX was a Sunday. Though their website says customer service is available XXXX, if you 're in collections once you enter your personal info your call is automatically rerouted to collections and no one is available on weekends. I made the payment in good faith on their website and contacted them by email regarding the situation. I called the next day and explained to the service rep what had happened, explaining that the original rep should have noticed that the due date was a Sunday and given me an alternate date, and he assured me that the payment would be honored towards the " re-age. '' But it was not. Shortly thereafter I received a debt collection notice. I called and was told it was too late to re-age but they would wave the late fees if I could catch up with XXXX payments by XXXX XXXX. It was difficult but I managed to make the payments, with the final XXXX being on XXXX XXXX, 2015, on the phone with a customer rep. She assured me my account was now back in good standing. However, when I checked my account on their website a few days later I found that I was charged a late fee on that payment. I called again and got the fee removed, but 2-1/2 weeks later their website shows that not only do I still owe the late fee, but also the original overdue amount. To top it off, this XXXX ( XXXX XXXX ) we got a collections call. I called my same service rep and told her what was going on. The issues did not appear on her computer, but he swore she would personally contact both collections and IT. However, I just got another collections call. I cleaned up my act and I think it 's only fair they they do likewise.
Product: Debt collection

XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

Levy Law Firm is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called Levy Law Firm every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call Levy Law Firm every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!
Product: Debt collection

Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. 
I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.
Product: Credit reporting or other personal consumer reports

I was reviewing mg credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Credit card

Well they have a charge off in XXXX that I have not received the 1099C from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.Thats Fraud. They report to all 3 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Please be advised this will be the last time I complain to the Consumer Finance Protection Board about Harley Davidson Financial ( HDF ) as it relates to the information HDF is reporting to XXXX. Keep in mind, there is an expiration date, one day I will no longer have to deal with HDFs poor business ethics and practices, unprofessional conduct and substandard credit reporting clerks. Bottom line, each and every time I have disputed, complained and or notified HDF about the information HDF is furnishing to XXXX, rather than update XXXX ; HDF modifies the account descriptors on my XXXX credit file. No changes, updates or account descriptors are reported to XXXX, even after HDF wrote accurate information would be reported to XXXX. Is there a glitch in your credit reporting to XXXX? Does XXXX believe it is XXXX as it relates to my disputes? Are your credit reporting clerks competent? Is your failure to furnish accurate information to XXXX punitive, malicious and or spiteful? The following dates accurately reflect how when I complain about XXXX, HDF notifies XXXX : ( See attached ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please pay attention to the attached XX/XX/XXXX XXXX DESCRIPTORS FOR AN ACCOUNT LISTED ON YOUR CREDIT REPORT HAVE BEEN UPDATED. This is downright shameful and a corporate disgrace, what sense does it make to dispute a XXXX balance reporting on XXXX? Playing these types of games with my credit file because you can is a clear reflection of the lack of morals and ethics in this profession. So if HDF is empowered by falsifying the truth to XXXX, so be it. Have at it Harley Davidson, shame on you! FYI for anyone at the CFPB who cares, the last time XXXX reported information to XXXX was before my initial complaint to the CFPB, the last reporting was XX/XX/XXXX! The process of complaining to the CFPB is worthless, just because the CFPB does not advocate for the consumer does not mean you allow businesses to treat consumers as I have been treated. I plan to notify XXXX XXXX, FTC CHAIR in the hopes she will help me. 

ALL OF THE XXXX ATTACHMENTS WERE PRINTED FROM XXXX XXXX XXXX ... XXXX Be Well
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points due to the way Fedloan Servicing reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( Fedloan, XXXX, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Product: Payday loan, title loan, or personal loan

As of XX/XX/21 I was contacted by an agent that states his name was XXXX XXXX working for Prosper Loans and that I was approved for the loan amount of {$3000.00}. He provided a contact number of XXXX and stated that the repayment would be {$170.00} for 18 month term starting in XXXX. I stated that would be affordable to me. He then Proceeded to say because my credit score was not in good standing that I would have to pay the origination fee of {$220.00} via XXXX Gift Card. I go and buy the card and send the picture Gia text with the scratched code from the opposite side so he could redeem the amount for the loan. Afterwards he says I have to pay another {$200.00} because the card did not accept it because I went over the gift card limit. Then he stated that he could release the funds into my account within 10 minutes but I needed a PPI code. Im like what is that, he was like its mandatory to have this for the loan protection from the borrower in case you get hurt or lose your job. Okay that was another {$370.00} in XXXX  card. After all these accidental government hold fees, loan filing fees, bank to bank fee, state tax, I ended up sending them {$2800.00} in eBay gift cards. They say they are unable to cancel the loan request and refund me my money because they dont work like that the loan amount would need to be sent XXXX to get it without a hold which was another {$500.00}. Then I speak with another rep by the name of XXXX XXXX who says he is in the lending department and is unable to cancel the loan. Then I speak with XXXX XXXX and he also says that he is unable to cancel the loan and refund me but he can send the funds via fed ex in a check form but I would need to pay the courier fee of {$350.00} which at this point I didnt have because he used all my funds I had in my account promising me the loan would get debited once all the fees were satisfied. I still have not received the funds after being on the line with them over 8 hrs on XX/XX/21 & XX/XX/21. He then text me multiple times trying to convince me paying {$350.00} more will guarantee my funds by the morning of XX/XX/21.