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

XXXX   XXXX   and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX  , have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for   XXXX   XXXX   provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX    maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement,  XXXX  and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT EQUIFAX, XXXX, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE EQUIFAX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.
Product: Credit card

Goldman Sachs has refused to fix a problem. My apple credit card has been hacked by XXXX XXXX XXXX XXXX charge 12 times this month XX/XX/year>. I have spoken to several customer service people and 3 Managers at Goldman Sachs and they refuse to stop this attempt to charge my card. 12 times my account number has been changed my 3 digit number code changes several time a day. Still XXXX XXXX has tried to charge my account. I would say Goldman Sachs has been hacked and won't admit it.
Product: Debt collection

I received an alert that the amount increased on a voluntary repossession that happened in     XXXX   and has already charged off and the car was sold.
Product: Debt collection

I opened a Paypal account in XXXX for E-commerce and to make purchases online to avoid putting my credit card on various websites. A couple of years ago, I applied for a line of credit with Paypal Credit XXXX XXXX Bank ), XXXX separate entities. I can access my Paypal account and my Paypal Credit account from XXXX. 

On or about XX/XX/XXXX, I made a tire purchase through my line of credit from Paypal Credit XXXX XXXX Bank ) for XXXX. It was an online purchase with XXXX. The tires arrived at the store and we were informed that the tires were the wrong size. XXXX initiated the refund and gave us a receipt ( attached ). We later discovered that the refund receipt indicated the refund of {$0.00}, ( XXXX dollars ). I logged into my PayPal account and opened a dispute. 

Paypal Credit resolved the dispute ( Resolution letter attached ) and adjusted my line of credit accordingly. However, PayPal is now attempting to collect the same XXXX ( documentation attached ) from me, which they had nothing to do with this transaction. I did not purchase the tires from PayPal, they never gave me XXXX for anything. I purchased the tires using my line of credit. Paypal has a negative balance on my account and they have shut my account down, I have made countless phone calls to Paypal and Paypal Credit to resolve this issue. This has been going on for almost 2 months now. When I call Paypal, they tell me that I need to call Paypal Credit. When I call Paypal Credit they tell me to call Paypal. This is what they tell me to do every time I call. This has been going on every day, all day, for weeks. I have made countless phone calls to no avail. They keep me in a loop while they blame each other. 

Paypal has sent numerous emails demanding this money from me. Paypal has also made many phone calls to me before XXXX am, in the morning waking me from my sleep. I have explained to them that I am a senior citizen and that this process has made me physically ill. I emailed them the Resolution Letter from Paypal Credit, and it has been of no effect. I have talked to countless people at both companies, to no avail. I personally can not resolve this, because there is obviously a system error. I am not sending PayPal XXXX that I do not owe them. As far as PayPal credit, they have resolved the issue and made the proper adjustments to my line of Credit. 

Resolving this issue is beyond me and I can not get Paypal Credit and Paypal to resolve whatever the issue is. I am not sure if this is a scam, and why Paypal is trying to force me to pay a debt that I do not owe them. I am praying and hoping that you can help resolve this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX ACCT # XXXX & ACCT # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 USC 1605 states that the finance charge is the sum of all charge, no such thing as late payment, REPORTING DELIQUENT/NOT FACTUAL 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose REPORTING DELIQUENT/NOT FACTUAL 15 USC 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 15 U.S. Code 1692b ( a ) ( 2 ) Failure to do a proper investigation, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall bot state that such consumer owes any debt, 15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer w/a written request or through mail ( failed to do so ) 15 U.S. Code 1681d ( a ) ( 4 ) no consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XX/XX/XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that not giving consent is the same as committing identity theft : XXXX XXXX Card
Product: Mortgage

The new mortgage servicer, Speclialized Loan Servicing did not provide me with the required welcome letter. The law requires that borrower receive two notices, one from your original mortgage servicer, the other from the new servicer. Unless you received a written transfer notice at settlement, your current servicer must send you a " Dear Borrower '' letter at least 15 days before the effective date of the transfer, which would be when the first payment is due at the new servicer 's address. The second notice -- a so-called " welcome letter '' -- should come from the new servicer, which must notify you within 15 days after the effective date of the transfer. 
Moreover, Speclialized Loan Servicing is engaging in the prohibited practice of dual tracking while I 'm under review for a loan modification. I was under review with the prior servicer, XXXX XXXX XXXX XXXX, XXXX and just prior to the transfer of Specialized Loan Servicing.
Product: Mortgage

My mortgage has transferred lenders 3 times since it's inception. I accepted and understood the loan would carry PMI. I requested for the PMI to be removed and the lender agreed to research this for me. The lender determined the loan did qualify to have the PMI removed and did process the removal promptly. I then requested a reimbursement for having paid the PMI longer than necessary. The lender stated that the consumer was supposed to request PMI removal when the Homeowners Protection Act of 1998 states it is supposed to be initiated by the lender once the loan to value arrives at 78 %. My loan is at 75 % and has been below the requirement of 78 % for some time. I asked to be reimbursed and was told that is not an option because the lender claims it was my responsibility to call and request for the PMI to be removed. Also, I spoke with the PMI department several times and none of the representatives were able to confidently explain what the Homeowners Protection Act is.
Product: Debt collection

Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. 

Re : XXXX XXXX and XXXX My identity has been stolen, you are hereby put on notice. 

Aggravated Identity Theft pursuant to 18 U.S.C. $ XXXX, FRAUD AND IDENTITY THEFT! 

NO CONSENT by definition is what? 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A Company shall block information within 4 business days after the date of receipt.

Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX are attorneys are attempting to collect a debt on the basis of fraud. 

They are in multiple violations of federal Fair Debt Collection Practices Acts ( FDCPA ) and FRAUD.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. FTC Fraud report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal and financial info in a security breach.
Product: Debt collection

The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
Product: Debt collection

I paid my account off in XXXX, Three years later I received phone calls & threats demanding payment. I have already paid three times what the appliance cost. Now they have a collection agency taking me to court sueing me for payment. The court date is XX/XX/XXXX. I just recently discovered USA Discounters was sued in XXXX, how can they make me pay twice for the same product. I moved from the address USA Discounters had on file. I did not receive notice of the lawsuit filed against USA Discounters. I did not keep my paper work for the products I purchased in XXXX. Multiple states have sued them for consumer fruad, abuse dept collection and deceptive advertising. The court date is XX/XX/XXXX in XXXX VA. Please Help.
Product: Debt collection

I Ordered a phone though XXXX, they shut off my service unexpectedly multiple times and I had to call them to reinstate it multiple times which made me so exhausted with the whole situation that I sent my phone back to XXXX, I was told by customer support multiple times that this was okay. Customer support helped me in sending the phone back and reassuring that the credit would be put back on my account. They lied and I need help. As you can see it clearly stated that and we can see that you did return the device that we received last XX/XX/year> thats when they got the phone but they had been helping me for weeks to return it. I want this situation resolved. Attached is a text conversation with support about the device.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Student loan

XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message sysstem XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Discovered studentaid.gov incorrectly shows in school XX/XX/XXXX - correct information - graduated XXXX started XX/XX/XXXXXXXX  A telephone call to studentaid.gov said to call Mohela XXXX Two telephone calls with Mohela. Reps name XXXX. She spoke to supervisor and was told " bringing it up with management '' and to give them XXXX days XX/XX/XXXX - Another message via Mohela 's internal message sysem XX/XX/XXXX Discovered there is a reconsideration process/application at studentaid.gov for incorrect payment count. I am missing 5 years of payments toward the count. Not once did Mohela or studentaid.gov mention this. 
XX/XX/XXXX - Message sent via Mohela 's internal message system asking why I was not informed of reconsideration process/application after almost a year of attempting to get help XX/XX/XXXX - Mohela replies apologizing and NOW they mention the reconsideration process after I finally found it myself and questioned why I was not told sooner
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following inquiries are unauthorized and are to be removed from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

GENTLEMEN : THE FOLLOWING, MOST RECENT LETTER TO WELLS FARGO EXPLAINS MY ISSUE. 
I HAVE TO PUT THOSE NECESSARY DETAILS WHICH SHALL ENABLE YOU HELP ME. 
I AM LIMITING A/C INFORMATION BY INDICATING JUST LAST DIGITS. 
THANK YOU. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ** Ref. : a/c XXXX of XXXX XXXX & XXXX XXXX XXXX Gentlemen : Dear XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX : With reference to my above mentioned account and to my recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX visits to your branch, please, TAKE NOTICE : 1 ) Since XX/XX/XXXX, XXXX XXXX XXXX . for unexplained, unjustifiable and abusive activity is illegally retaining my sizable $ XXXX-plus balance, 2 ) Since on XX/XX/XXXX, Wells Fargo Officers in address, still refused to release my money unless " a retaliatory, coercing '' affidavit of responsibility (?? ) had been signed by me, 3 ) Since, as brought to Wells Fargo Officers ' attention, I have to purchase an apartment at the XXXX XXXX, XXXX, FL XXXX and I am in dire need to funding that purchase, Wells Fargo is hereby requested to immediately and not later that today, XX/XX/XXXX, to pay/ transfer/ deposit my available, full balance at Wells Fargo , to my account : XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX  , XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ***Take further notice that by further denying / refusing / omitting this final request, XXXX XXXX XXXX . will respond in the avenue of Justice for any subsequent damage in any form and consequence however  caused to the undersigned. 

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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$49000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Capital One I, the consumer and natural person, was denied credit by Capital One when I applied for a Quick Silver One Rewards. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capital One due to the response I received. Capital One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). 

Thank you. 

XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved