23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Assests Recovery Associates called me and used scare tactics to try to collect on a debt that is at least 20 years old. I do not believe that I owe anything on this old credit card debt. They claimed they had sent a settlement letter and because I had not responded to the letter they were now forced to collect the debt in full immediately. ARA knew my social security number and told me that they had contacted my current credit accounts and knew my status and balance. They tried to convince me to make a payment of {$2000.00} to them using one of my credit cards. They threatened to have their lawyers put holds on my accounts or income if I did not pay by the XX/XX/2019. 

I was had. They got me frazzled and I paid {$100.00} toward the total. ARA said I would have to pay {$1900.00} by the XX/XX/XXXX or pay {$240.00} a month until the total balance was paid. Then I started thinking straight and looked into the company, ARA. I found that CFPB had just settled with ARA for non-compliance with Consumer Protection Act of 2010. ARA is still non-compliant. 

I faxed a letter to ARA telling them I refuse to pay anything more because I do not believe that I owe this debt and they are not able to provide proof of the debt. I asked them not to contact me again. 

Since that request, they have tried to contact me twice by phone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX  dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX  has yet to respond to any of my letters regarding the legitimacy of the debt. With the accounts XXXX with a balance of {$2.00} And also account XXXX with a balance of {$470.00}. 
I'm not aware of who the company even is and how they got access to my credit report.
Product: Debt collection

To whom it may concern, I received notification of a debt from a debt collector in XXXX. The original collector was XXXX XXXX  XXXX in XXXX WA. I never used services from XXXX XXXX XXXX and took almost six months resolving this issue and getting this removed from my credit report. In XXXX this appeared on my credit report again, this time from a different debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX. 
I attempted to resolve this fraudulent account with XXXX XXXX XXXX and was treated rudely every time I contacted this company. My written correspondence to this company was ignored and as a final attempt I am reaching out to CFPB to resolve this issue.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Navy federal credit union Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus XXXX XXXX and XXXX XXXX XXXX inaccurate/invalidated account Prove it.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XXXX class action lawsuits against XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 

The first lawsuit was settled out of court. The school was to provide 100 % money back to students, however since so many qualified only 6 % was actually paid back. 

Over the last 5 years or so, another lawsuit ( Led by XXXX XXXX XXXX was filed and won. We all got our federal loans wiped and past payments reimbursed. 

We have been asking Navient ( and other private loan lenders ) to follow suit as our school was found to be fraudulent and predatory. Still waiting for them to comply.
Product: Debt collection

The companies Zions Debt Holdings LLC nor XXXX NEVER responded with documentation that I incurred this debt nor that I requested or applied for credit for this debt. I NEVER had any contact, applied for credit or incurred debt in any way with this company or any company associated with this debt. Zions Debt Holdings LLC nor XXXX has provided any documentation to substantiate or validate that I provided any personal identifying information ( PII ), any signatures, or that I was ever present with any representatives of the company to incur this debt. I requested evidence on several occasions and the company has failed to provide any viable documentation. There are no credit inquiries from any of the big XXXX credit reporting agencies. I have never signed any document or provided my consent to request credit or to incur this debt and I have NEVER never provided any PII to this company or any of its associated companies.
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act and HIPPA Law : 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state. 
5. Copy of HIPPA form to collect 3rd party
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : 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 Furthermore , please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these XXXX things please delete these accounts from my credit report. Thank you.
Product: Checking or savings account

Paypal used my checking account instead of my XXXX card ending in XXXX to pay my XXXX invoice. This was never authorized. Please credit my checking account and charge my credit card.
Product: Debt collection

First..this company called my brother..told him l was bring sied for a DEBT..then told him l needed to call right away..the number l called was XXXX XXXX XXXX..at XXXX XXXX XXXX ... xt XXXX ... asked for info he was vague about the debt..and claimed to be filing a lawsuit..l had s credit card from hsbc but didn't use it..returned the card..didnt like all the fees..had a XXXXlimit but feed ate up XXXX $ of it..sent it BACK cut up..l am XXXX that this was an egregious anf illegal attempt to het money..they clsim to BE sending a letter..but THEY SAID that 5 other times..l want this stopped..and immediately closed out as invalid debt ...
Product: Debt collection

I never receive notice on this debt, I believe XXXX place this collection on my credit report because they were upset I cancelled the membership to their monthly credit monitoring services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep reporting a XXXX account which is paid in full and has more than 7 years. They report this account with one late payment in 2013. 

I want this account removed from my credit report because the 7 years time frame was up a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. Experian is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX  removed this comment because they showed no dispute ever being filed by me. But Experian and XXXX  both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to report unverified information on my credit report that is not true nor verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX  XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Check n go XXXX have zero tolerance for their customers on paying them monthly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have been reported on my credit report by Equifax. Upon reviewing my credit report, I discovered that these inquiries were made without my authorization and are fraudulent.

The 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 XXXX XXXX  XX/XX/XXXX XXXX have not initiated any credit applications or given my consent for these inquiries. Therefore, I request that these fraudulent inquiries be removed from my credit report immediately. 

Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documents, including a police report filed for identity theft and a copy of my government-issued ID for verification purposes. 

Please investigate this matter promptly and provide a written confirmation once the inquiries have been removed. I also request that a corrected copy of my credit report be sent to me once the inaccuracies have been resolved. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift resolution of this issue.
Product: Student loan

How am I supposed to pay with a XXXX balance. Change my wording. So I can my appartment waiting all these yea
Product: Debt collection

On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my Experian credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with Experian on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

Experian stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the Debt Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, Experian is stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX ACCOUNT : XXXX Dear SPRINGOAKCAP, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
Product: Money transfer, virtual currency, or money service

My Brother n law located a mini excavator for our farm in Alabama on a website; XXXX XXXX, located in XXXX XXXX Az. He was informed that the equipment was available at the posted price, but, if he was interested, an additional tractor could be shipped at a 10 % discounted price. They agreed on an excavator and a tractor, a price was set, shipping costs as well. An invoice was sent via email containing payment instructions. We were to wire {$21000.00} to PNC Bank, located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona. Account #, Routing #, and payment reference # included in the invoice comments. My bank checked with PNC, all legit numbers. Money was wired on XX/XX/2022. Once payment was sent, and received, a confirmation email was sent, shipment details as well. First date came and went, the driver was said to have covid and could n't drive. Next date set, an ice storm on interstate, can't deliver. Next set date, no excuse, but did offer a refund of our shipping fee. Next date, no equipment, I started another search online and found several other individuals that been scammed, or almost scammed out of their money. I have since filed a report with the FBI, FTC, my bank, alerted PNC, and finally here. We have all emails sent and received, invoice and copy of wire transfer.