23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/21 I XXXX, XXXX was sent a letter from an unknown entity stating that I was to pay them an unverified alleged debt. This paperwork was misleading ( violation of 15 USC 1692e ) and deceptive ( violation 15 USC 1692j ) due to I had never had any previous contact or dealings with this entity nor did I ever give consent to this entity to contact me in any form which is a violation of 15 USC 1692c ( a ). I also never gave consent for any affiliate of this entity to furnish this 3rd party Debt collector with any of my information. This entity was Scott & Associates PC. As per 15 USC 1692 ( a ) this was and still is an invasion of my Individual Consumer Rights to Privacy. Scott & Associates , PC stated that they are a Law Firm and they are attempting to collect a debt which is clear violation of 15 USC 1692e ( 14 ) which clearly states The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

To add further context I would like to bring attention to 15 USC 1692a ( 6 ) that clarifies what a debt collector is : debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. 

Within the initial communication from the 3rd party debt collector, they called out that a debt was owed which was a violation, and still is a violation of 15 USC 1692b ( 2 ) due to the initial communication that was sent was not received by me and I was embarrassed, and my reputation was further injured by this matter that I would have liked to have kept private. 

Also with in that initial communication Scott & Associates used additional symbols/language that indicated that they are in the debt collection business and that the communication was in relation to collecting a debt which violates 15 USC 1692b ( 5 ) & 15 USC1692f ( 8 ) which states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

The debt collector has assumed this debt without proper validation/verification as set forth by 15 USC 1692g ( 3 ) which is a violation. 

I would like to call attention to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I would also like to call attention to 15 USC 1681 ( a ) ( 2 ) which calls out the following An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

My reputation as a consumer has been completely injured by this traumatic ordeal. Please refer to Exhibit I. The Creditors intent in this situation was to harm my reputation as a consumer by furnishing this unverified non-public information to the Elaborate Mechanism which is the Consumer Reporting Agencies.
Product: Vehicle loan or lease

In recent years I have had loans with Toyota and so far I have not received any refund for the extra charges made during the loan.
Product: Money transfer, virtual currency, or money service

My account was frozen with all of my funds in it. I reached out saying that I need the money to pay my bills and they have done nothing. They will not let me transfer the money out of my account and all of my money is inside it.
Product: Credit reporting or other personal consumer reports

Discover charged my account off. I have not received a 1099-C from the company as this is now written off by Discover and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company Discover as well as the three major credit bureaus. XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Web : www.equifax.com/personal/disputes We also obtained your credit score from this consumer reporting agency and used it in making our decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit Score : XXXX Score Date : XXXX/XXXX/2017 Scores range from a low of 250 to a high of 850. 

191 NUMBER OF ACCOUNTS 304 NUMBER OF NON-UTILITY INQUIRIES 331 PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

ihave asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX XXXX. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Product: Payday loan, title loan, or personal loan

The loan was only for {$650.00} and if I pay it off by XX/XX/2018, I will have paid them {$1600.00}. This is insane and unfair, when I only borrowed {$650.00}. Their solution is the earlier I pay back the loan the less I will have to pay back in interest rate, is what they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address reporting to my XXXX, TransUnion and XXXX credit report that is not my address.
Product: Credit reporting or other personal consumer reports

I reviewed a detailed copy of my credit report and noticed a host of inaccuracies. The account below is not mine. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a JC Penney credit card that is being serviced through Synchrony Bank. In XXXX of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of {$360.00} dated XXXX XXXX, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a XXXX that they could n't accept my payment because they were no longer collecting the debt because it was past the " statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a voicemail. I attempted to call him again at a later date and XXXX again I got a voicemail and have yet to receive a return call. I then spoke to a different representative named XXXX on a different date and he said they would not take my money. They even sent me a letter dated XXXX XXXX, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do A Pay  for Deletion for this account that isn't even mine.
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Product: Credit card

I noticed on my statement that I had been assessed a late payment fee. I had paid the payment on the XXXX of XXXX ( the due date ). I called the company to resolve the matter and was told that if I had not paid the payment by XXXX it would be considered late. I also was notified on the phone call that I had been late 30 days twice on this account but they could not tell me when. Specifically asked me to go back through my statements. I got this CC at a time when I was really attempting to get my credit better. I really do n't think I have been 30 days late on any credit card since 2010. I sometimes make XXXX payments a month on this card ( Barclays Card ) I just think it is reprehensible that a bank can charge a late fee because you paid the payment on the agreed payment date but just not the correct time. I think I also noticed my APR increased as well. Plus I have over XXXX XXXX points and I have not received my XXXX rewards cards ( I 'm entitled to XXXX as XXXX XXXX card ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that the XXXX  error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.
Product: Credit card or prepaid card

I requested and was sent two Netspend Debit cards that did, and, or do have {$1000.00} and {$12000.00} dollars in them repectively. These cards I did activate by telephone, at the Netspend numbers given on the envelope, insert that I got with the cards, and also the number on the cards. The numbers were : XXXX, XXXX and also XXXX. These cards I have been trying to use here in XXXX County, Nevada. I have got several different ATM and tranaction highlight LCP statemnts back ; including Restricted Card, Ineligible Account, No Funds In Account, and salso Incorrect PIN. I know theese print LPC statements to be false, and some times, and most often at all a receipt looking LPC statent is prined just like a receipt woulld be printed for the would be purchacen except that it says DECLINED in bold letters at the bottom or some where near there. The guys from XXXX XXXX XXXX XXXX used to be proliferant at this, and they did it all the time years ago. I suspect that it is them once again. Other dlinined prints and statemnts simply seem to come sometime from a private oerator with a declinator remote. I idnetified his name once as XXXX XXXX near the XXXX XXXX XXXX XXXX restaurant in XXXX, Nevada near the XXXX XXXX XXXX Sore. Please help correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. XXXX Account # XXXX at Acima finance violated my rights 15 U.S.C 1681 Section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX Enclosed is a copy of a FTC report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Debt collection

These accounts were found on my report after checking it after a couple of years and are fraudulent accounts. 


01 NETCREDIT XXXX XX/XX/2017 2017
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX XXXX at Quicken Loans to go through with an application process ( since we had an accepted contract for home purchase ). She advised me that they would deduct {$500.00} from my bank account via debit for the appraisal that would come off closing costs. I agreed to all of this and she then sent me to XXXX XXXX. At XXXX on XX/XX/XXXX, I sent XXXX a text message stating that I no longer wished to continue my loan process with them, that I wanted to utilize a local lender and to cancel any appraisal that could be in the works ( although this was all the same day ). On Monday XX/XX/XXXX, {$500.00} was withdrawn from my account. I emailed both XXXX and XXXX and stated that I'd like that money refunded and my loan withdrawn. That I contacted them on Friday and ultimately they never should have taken the money. XXXX told me that she would cancel and refund me. On Wednesday XX/XX/XXXX, my current loan company told me that my loan was still in process with Quicken and that they needed to withdraw a specific loan number for them to be able to continue. XXXX was out of the office, so I spoke with a XXXX XXXX. He kept asking me why I wanted to cancel since all my paperwork was already submitted and switching now could jeapordize my close date. I stated that at this point, I wouldn't do business with their company just because of the way they do business. If I say cancel, I mean cancel. It shouldn't be that hard. He told me that he'd cancel and I'd be refunded minus any 3rd party fees. That same evening ( XX/XX/XXXX ) I received an email from Quicken to check out my appraisal. So now I know that I'm not going to be refunded since they had the appraisal done. Although I did tell XXXX that I shouldn't be on the hook for an appraisal they ordered after I'd withdrawn my consent. - This is a FHA appraisal, and I'm going with a conventional loan, so this appraisal doesn't do me any good. I can't use it. Nor should I have to be responsible for an appraisal dated XX/XX/XXXX when I canceled on XX/XX/XXXX. I reached out after I received the appraisal to XXXX and XXXX stating that I still wished to be refunded and wanted the names/contact information to supervisors/managers. They will not give me any other contact information but XXXX did state that she was under the impression that my loan was withdrawn and I was to be refunded per our XX/XX/XXXX conversation. I am not sure who else to contact to resolve this issue, but I want to be refunded from this predatory lender who doesn't do whats asked of them. Thank you for your help with this.
Product: Credit card

I have fraudulent transactions on my credit card that occurred on XXXX and immediately filed a dispute. It's XXXX transactions from XXXX XXXX XXXX. XXXX transaction for {$180.00} and XXXX transactions for {$67.00}. These were international charges as I was charged foreign transaction fees. As of today, these dispute is still open with no resolution. I'm having to make the minimum payments to keep the account from going the delinquent. This is also reporting a balance on my credit report that is not mine.
Product: Credit reporting or other personal consumer reports

I've sent multiple emails to Credit Fresh customer support and their funding arm XXXX XXXXXXXX XXXX requesting explanations for sending my current account to collections causing a XXXX points drop in my credit score. I was honoring their own repayment terms per their own repayment agreement... .no delinquencies. 

XXXX replied to me via EMAIL ME TODAY, XX/XX/year>, AND REFERENCED MY XX/XX/year> phone call with customer support. 
NOW If I made a XX/XX/year> Credit Fresh customer support phone call to arrange skipping XXXX and XXXX payments and repaying them ..... 

HOW COULD XXXX XXXX XXXX STATE THAT I MISSED MY XX/XX/year> PAYMENT IN A XX/XX/year> PHONE CALL? 

YOU CAN'T MAKE THIS STUFF UP. 

XXXX STATES, XX/XX/year>. I'M QUOTING ...... 
" We have reviewed email communications and listened to the call made on XX/XX/year>. In the call, you noted that you were unable to complete your payment due for XX/XX/year>, and our representative noted that you had already missed your XX/XX/year> payment. '' YOU CAN'T MAKE THIS STUFF UP. 

I told XXXX XXXX XXXX XXXX XXXX XXXX I would secure phone records if I did not receive copies of the original line of credit agreement and the repayment agreement. 

Despite being current with my line of credit account, despite honoring the repayment terms as defined by their own repayment agreement, DESPITE XXXX LYING ABOUT FACTS O XXXX XXXX XXXX XXXX STILL CHOSE TO SEND my CURRENT account to XXXX collections XXXX 

I've contacted XXXX XXXX, General Counsel for XXXX XXXX XXXX regarding this matter. Since there's no email for XXXX XXXX on XXXX website, I have messaged XXXX XXXX via XXXX. IN my XXXX message I REQUESTED an explanation for sending my CURRENT line of credit account to Collections. 

Thank you for your help in this matter.