23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection Company named XXXX XXXX XXXX XXXX XXXX XXXX with the acronym XXXX bought a debt account to CashCall on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of XXXX XXXX XXXX stated there were cero payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As XXXX stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX XXXX XXXX against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from CashCall or XXXX ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX-XXXX  on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. XXXX replied that they served me and that their collection is from CashCall, now their property. They never validated the debt. They send me a copy of the contract of CashCall without signature, I never signed anything from CashCall. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by CashCall, XXXX. XXXX - XXXX bought the loan to CashCall - XXXX in XXXX. XXXX sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as CashCall contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The CashCall contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XX/XX/2023 To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below? 

U S Dept of EdXXXX XXXX Reinvestigate the completeness of every piece of information, and if it is not accurate, please remove it from my credit report.
Product: Mortgage

My home loan was transferred to another lender which I have n't been notified yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO RESLOVE THIS MATTER WITH XXXX XXXX FOR SEVERAL MONTHS. I HAVE SPOKEN WITH SEVERAL REPS THERE AS WELL AS A SUPERVISOR SO HE SAY. MY CAR WAS PAID OFF WHEN I TRADE IT IN. THE PAY OFF WAS COMPLETED XX/XX/2017 YET THEY STILL HAVE NOT MADE THE PROPER ADJUSTMENT TO MY ACCOUNT. MY CBR 'S STILL REFLECTS A BALANCE OF $ XXXX
Product: Debt collection

I did not open XXXX XXXX XXXX  account, nor authorize my father to also open XXXX XXXX XXXX XXXX ( by using my Social Security Card ) and to a house that he also put under my name without even asking me. Restore my credit score back to the previous score, it was at XXXX, now its at XXXX. Collectors are : MRS BPO - XXXX XXXX XXXX XXXX XXXX, NJ  XXXX
Product: Vehicle loan or lease

On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX and identify theft i have several bank accounts on my consumer report with fraudulent activity that effects me opening up bank accounts, i submitted documents to early warning services to dispute these accounts, early warning send me a letter stating the accounts are blocked but its still hindering me from opening up bank accounts, i want these accounts deleted and removed from my consumer report .The Fair Credit Reporting Act ( FCRA ) of 2021 prohibits credit reporting agencies ( CRAs ) from including negative information on a credit report if it was a result of XXXX XXXX
Product: Debt collection

XXXX. I own the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. 
XXXX. My property was paid in full years ago, I dont have any mortgage. 
XXXX. This property has been my primary residence for the last 20 years. 
XXXX. I am XXXX since XXXX. 
XXXX. I live alone and the property is only in my name. 
XXXX. My account as a homeowner has not been a delinquent status. 
XXXX. On XX/XX/XXXX, I received a letter notifying me that I owed more than {$10000.00}. 
XXXX. I assumed it was a mistake, but after a few months I realized that I was falling into a false and fraudulent case. 
XXXX. All parties involved ; the Association, the plaintiff and defense attorneys, the property management, the accounting firm and others have locked me up. 
XXXX. These delinquents use extensive documents, everything is confusing, a mess difficult to explain. 
XXXX. I really appreciate your consideration ; I value your time. I have more than enough evidence to prove my case. 
XXXX. This report includes part of the documents on Court, they are to extensae. 
XXXX. My property will go up for Foreclosure auction on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I leased a vehicle with Kia America which ended in XX/XX/year>. In XX/XX/year> I received a letter from Kia informing me that I owed over {$6000.00} due to mileage overage. I contacted Kia to let them know that I did not have that kind of money and asked if I could make payments, which they agree to - - I spoke to a woman name XXXX. I started making payments in XX/XX/year>. My payments were due on the XXXX of each month. On XX/XX/XXXX I made a payment of {$450.00} and it was considered 30 days late ; in XXXX I paid another {$450.00} on the XXXX and it was reported as 60 days late. This was reported prior to my first dispute with XXXX, as well as the written off/charge off noted for XXXX. After my dispute, the results showed 30 days late in XXXX and a written off/charge off for XXXX and XXXX. On XX/XX/XXXX, I received a settlement letter from Kia offering discount on the amount owed. I called them to let them know that the entire amount would be paid off the following month, which I did honor - I paid the entire balance off on XX/XX/year>. In the three years of leasing the car, I have never paid late and that can be proven on my credit report.I have called Kia numerous times and sent Kia a letter highlighting what I wrote here but they are standing by their decision, which is somewhat baffling. On XX/XX/year> I called Kia and spoke to XXXX XXXX XXXX XXXX was confused by the write off rating as it was paid completely off. She even offered to send me a letter stating that the account was paid in full, which she did. I have also disputed this with XXXX several times. I even called XXXX in XXXX and the agent I spoke to was also baffled and offered to rewrite my dispute for me but again Kia did not budge. My report says Paid, closed {$5900.00} written off. I paid Kia the entire amount owed of {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX  XXXX {$1300.00} XXXX   XXXX {$4400.00} DEPTEDXXXX XXXX {$1400.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX/XXXX XXXX {$960.00} XXXX/XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$2200.00} XXXX   XXXX {$740.00} XXXX/XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am writing to formally dispute several items on my credit report that I believe are inaccurate. Please investigate and correct the following entries : 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 XXXXXX/XX/year> I am disputing these entries because the reason, e.g., they are not accounts I authorized, they are duplicate entries, or they contain incorrect information ]. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute, verify the accuracy of the information, and provide me with the results of your investigation. Please remove or correct any errors immediately. 

I have attached copies of my ID, and ftc report for the disputed items highlighted for your reference. 

Please confirm receipt of this letter and update me on the status of your investigation. You can contact me at XXXXXXXX XXXX
Product: Debt collection

I tried to get an XXXX XXXX XXXX  account and they told me one was already active and that I had to add a line to that account. I explained to them that it was not my account. The guy asked me for my address my phone number and he told me all the information was correct except for the address and that the account belonged it to me I explained to him I have never had service with them And right after that a few months later, the account hit my credit report Ive been disputing. I contact them several times and he told me it was nothing they can do about it that all the information was correct. The guy change the address to my current address.
Product: Credit card or prepaid card

My name is XXXX XXXX - I live in XXXX, North Carolina. 

Someone has opened a credit card in my name with Citi CBNA - I have contacted the bank but they have not responded to me with via phone or online. I would like to find out how has used my social security to open this credit card.

I currently have a {$41.00} balance on this credit card and am not aware who used my social security to open this credit card.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I don't know the reason. I routinely check my credit report, but today there were unexpected discrepancies. Refreshing my browser didn't resolve the issue ; the incorrect accounts remained. Due to this problem, I request a thorough review of the documents I've submitted to ensure I won't have to worry about this again.
Product: Vehicle loan or lease

The amount owe is not the right amount The right amount is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information in My Credit Report under FCRA ( 15 U.S.C. 1681i ) I am writing to formally dispute an inaccuracy on my credit report as of XX/XX/XXXX, regarding an account listed under Eastern Account System This entry appears to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The reported account shows that a {$63.00} collection balance is past due as of XX/XX/XXXX. However, this account is inaccurate for the following reasons : Incomplete Validation : Per 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of information. There is no documented validation of this debt being legitimately owed by me, which violates FCRA provisions requiring accurate and complete reporting. 
Incorrect Status and Reporting Dates : The Date Opened is listed as XX/XX/XXXX, and yet it claims to have been in past due status by XXXX and XX/XX/XXXX. This timeline raises concerns about accuracy and legitimacy, violating 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies ensure maximum accuracy of all information provided. 
Unverified Debt Assignment : The account shows Original Creditor : XXXX XXXX XXXX. However, I have not been provided with adequate evidence that Eastern Account System has the legal authority to collect or report this debt under my name, violating 15 U.S.C. 1692g of the FDCPA, which also applies to debt validation disputes reflected on credit reports. 
Under 15 U.S.C. 1681i, I demand a prompt investigation into this matter. Please verify the accuracy of this account by contacting the furnisher of the information and providing me with clear evidence, including the original documentation substantiating the claim. If you can not verify the account as accurate, it must be corrected or deleted from my credit report. 

Additionally, please provide a written statement detailing the outcome of your investigation as required by law. I have attached a copy of my credit report with the disputed item highlighted for your reference.
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries about XXXX XXXX XXXX XXXX  on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX is listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXXl. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Product: Debt collection

I had three calls the first one was polite but the last two that were today XX/XX/20. They where rude abrupt fast talking and lound which i tried to have patience but couldnt. The lady said she was doing her job i told her she was not doing it pplolitely and she was rude. Tehy call like bullies. They act like they run over you with how they talk to you. She itterated that they could sue me for this collection. In a threating way. I just cant take it anymore im having a hard time getting a XXXX job. They are garnishing my first one. W the little but of money i get. I am a single mom of 2 how am. I to survive thru this.
Product: Debt collection

Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to TransUnion disputing information about BANKRUPTCY that is listed on my credit report/profile AS XXXX XXXX XXXX PENNSYLVANIA Docket XXXX XXXX. The item is now listed as NOT SPECIFIED ON MY CREDIT PROFILE/REPORT Date Filed XX/XX/XXXX, Date Updated XX/XX/XXXX. I requested this information be removed and protected by TransUnion. I asked TransUnion to validate the information that is reported on my credit report/profile that this information was directly received/verified from the UNITED STATES BANKRUPTCY XXXX XXXX PENNSYLVANIA and given to TransUnion directly. 

TransUnion responded with the not specified showing on my credit profile as of XX/XX/XXXX