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

I'm an Federally Protected CONSUMER! YALL ARE IN VIOLATOIN OF MY RIGHTS You are XXXX XXXX on NOTICE Pending Further Counsel! I've Sent several Validation letters an Verification letters. World Acceptance Corporation are in violation of Federal Laws as the Follows Per FDCPA and Privacy Violations also Fair and Accurate reporting. I DO NOT OWE THE ALLEGED DEBT!!!! The Debt Collection is also outside of the Statute for Collecting on the Debt and has been Charged off " XX/XX/2018 '' Acct # XXXX and they keep Reupdating the balance which is Fraudulent and very Deceptive See Attachments for Dates. As far as I know I didn't give them permission to communicate with Third Parties under 15 USC 1692 ( a ) ( b ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I am really offended that they want Settlement arrangement 's after Stating they Written off the debt that unfair Provide me Original Copies of Agreement 's. under 15 U.S. Code 1692e ( 10 ) - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. what that means is Saying I owe Something I don't per HJR- 192 this is an Obligation of the United States ! no one has been able to pay a Debt. I'm demanding the Removal of these duplicate Accounts and any information there of, I DONT OWE WORLD ACCEPTANCE NOR DO I OWE ANY DEBT DELETE THE FOLLOWING ACCOUNTS SEE ATTACHED
Product: Credit card or prepaid card

We bought XXXX XXXX points in XX/XX/XXXX. We were told that we could get " an interest free loan for 15 months '' by getting a XXXX XXXX Amex card & using it for the purchase price which we did. The price was {$15000.00}. With fees it was {$16000.00}. We were told there was also an annual membership fee of {$250.00}. We received an Amex statement with a balance of {$16000.00}, a due date of XX/XX/XXXX, & a minimum payment of {$320.00}, which I paid. The next month the statement had a balance of {$16000.00}, a due date XXXX, & a minimum payment of {$320.00}, which I paid. It showed that we had paid interest of {$3.00}. The next month there was another minimum of {$310.00} ( balance {$15000.00} ; due XX/XX/XXXX : interest {$4.00} ). On XX/XX/XXXX I called customer service ( XXXX ) asking why we are getting billed ( with interest ) when we were told it was interest free. We were told that the " fees '' were not covered by the " no interest '' promotion. The fees were not specified nor quantitated. I then asked what was the minimal amount I needed to pay above the new minimum ( {$310.00} ) in order to bring the balance down to the the level where no payments were needed. I was told the answer was {$250.00}. I then paid that total ( {$570.00} ). 

This month 's statement has a balance of {$15000.00}, due date XX/XX/XXXX, minimum of {$300.00}, & interest {$1.00}. This balance is BELOW the purchase price ( {$15000.00} ) for which we were PROMISED a 15 month interest free period. 

I was VERY clear when I called that my goal was to eliminate the need for payments. I asked the agent multiple times if he understood & he assured me that he did. It was a long call because the agent had to consult his superiors. It is hard to believe that this is an innocent mistake. 

I believe this is fraudulent. I believe it is intentional deceit on the part of Amex ( & possibly XXXX ). The interest amounts are small, but I DO NOT want to pay ANY interest & I went out of my way to try to achieve that. Also small amounts add up with many cardholders. I am hoping that you can resolve the issue for me.
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 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 have 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: Debt collection

Its been reported that I have two accounts open with capital one and then saying I am 90 days behind on payments.. I have two credit cards one with capital silver something I believe then one is XXXX XXXX XXXX the only two I have.. then I have never ever been 90 days behind so not sure if someone got my information or error somewhere but not sure where this information come from and saying XXXX years with that one I didnt have one XXXX years ago.. I think the two I have now it hasnt been a year yet but maybe alittle over but before those two never had a credit card ever
Product: Debt collection

XX/XX/2022 Contacted my mother. My mother is not authorized on my account. Told her I had a debt. Very stressing!
Product: Credit card

On XX/XX/2024 I logged into my capital one accounts. I have 3 of them they were all closed. I called was told due to unusual activity. I asked what activity he could not tell me. I pay my card every time on time never late. There was no reason to close all 3 cards. Then I log into Experience credit says odds are good for capital one. I apply for Quick Sliver got approved with a virtual card. So Capital One approve me. This makes no sense. How can they close 3 accounts down. But approve you for a new one. This has hurt my credit score. This is not right when you have paid every time on time. And I was a victim of identity theft. I did the identity theft report and police report. I also had my cards set up to alert me. I did everything I could to protect my card. I am not sure if that is why the cards were closed. They dont say. I feel they have hurt my credit with all these accounts they closed and no explanation. But approve you for a new card with a fee now makes no sense.
Product: Credit reporting or other personal consumer reports

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

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

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

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

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the FTC and blocked my other credit companys 2 years ago. They moved it simply from XXXX  to XXXX. At the time of the alleged debt I was fully employed and covered by XXXX XXXX XXXX XXXX that fully covered any alleged visit and this is just games by a company with thousands of complains for doing the same thing. 

If it was supposedly after that moment I was covered my XXXX XXXX XXXX XXXX that also fully covered any such incident and XXXX was aware and should be responsible for there own billing errors
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in unauthorized credit inquiries and accounts on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts and inquiries : Unauthorized Accounts and Inquiries : XXXX XXXX- This account does not belong to me ; please delete XXXX XXXXXXXX - This account does not belong to me ; please delete XXXX XXXX XXXX  XXXX This account does not belong to me ; please delete XXXX XXXX XXXX XXXXXXXX- This account does not belong to me ; please delete XXXX  - This account does not belong to me ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX XXXX XXXX Inquiry that I didnt authorize ; please delete XXXX XXXX  - Inquiry that I didnt authorize ; please delete XXXX XXXX - Inquiry that I didnt authorize XXXX please delete XXXX XXXX XXXX - Inquiry that I didnt authorize XXXX please delete XXXX XXXX XXXX This account does not belong to me ; please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}
Product: Debt collection

I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXX Balance : {$300.00} ; XXXXXXXX XXXX XXXX Balance : {$83.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX XXXX, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. Thank you
Product: Debt collection

I tried to explain that this debt does not belong to me and I was not able to get any results
Product: Credit card or prepaid card

My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.
Product: Credit reporting or other personal consumer reports

The late payments don't reflect my typical payment history.
Product: Mortgage

I recently submitted a complaint about ServiceMac LLC to the CFPB. They reported to the CFPB that they have responded to the complaint, but they lied to you. I have received zero correspondence from ServiceMac , LLC since submitting the complaint. 

The original complaint is XXXX. Again, I have received no correspondence from ServiceMac , LLC yet they have reported to you that it has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm XXXX and a veteran thank you the accounts are listed XXXXXXXX XXXX XXXXXXXX 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 All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/XXXX  XX/XX/XXXX  no changes on my report XXXX  equifax XXXX  thank you XXXX XXXX
Product: Debt collection

I received a debt to be collected from Sentry Credit on behalf of XXXX XXXX XXXX a XXXX entity. I already submitted a police report stating the XXXX fraud. We agreed to a XXXX balance. 

XXXX is the equity firm that owns XXXX XXXX XXXX. Case ID : XXXX - XXXX ( HI ) OWNER LLC v. ROBINSON Type : RC - Regular Claim Status : TERMINATED - Terminated Case Last Updated : XXXX We signed an agreement I would have a XXXX balance. According to the ledger filed I owed $ XXXX and change. XXXX XXXX XXXX corporate submitted to sentry credit for a {$50000.00} lien against me and my husband. Thats contractual fraud. XXXX XXXX XXXX is the shareholder of XXXX and XXXX. XXXX XXXX XXXX That shows all the subsidiary companies attached to first XXXX XXXX . Case ID : XXXX - State v. Awapuhi Robinson Type : CW - Criminal Written Complaint Status : ACTIVE - Active Case Last Updated : XXXX ID : @ XXXX XXXX : XXXX XXXX Status : Not Specified Filing Date : THURSDAY, XX/XX/2024 Court : THIRD CIRCUIT Location : XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX : XXXX XXXX/ XXXX  : XXXX Alleged Speed : ~ / ~ That case has all my documents in the lineal heir to the XXXX XXXX. They sealed my documents without discussing it with me. I have copies of the documents. 

Thank You, XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services is trying to collect on a debt that does not exist. They claim a debt with XXXX XXXX XXXX of XXXX dollars on XXXX XX/XX/XXXX. My health insurance sent them a letter XXXX XX/XX/XXXX stating that the bill was paid and they should remove the collection from my credit report and they refused.. I spoke with XXXX XXXX XXXX on XXXX XX/XX/XXXX and was told I have a XXXX balance on the account and there is no debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX the problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXX Bank sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.
Product: Credit card or prepaid card

I contacted Care Credit in regards to losing my job and not able to make payments at this time. I have had this card since XX/XX/2003 and they stated the only thing they can do is waive a late fee. After looking at my statements my balance in XXXX was {$2200.00}. XXXX statement my balance is now {$3500.00}. I had XXXX  work that cost me {$5000.00}. They have charged me {$1400.00} in interest. How can I be charged interest on money that was already paid?? Now my XXXX statement shows more interest being charged of {$64.00}. The lady I spoke with today was zero help.