23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, after careful review Randolph, Boyd, Cherry & Vaughn Law firm   gave me written notice that it is no longer within the legal confines to collect this debt as per the State of Virginia Statute of Limitations after I objected to their collection attempts on this timebarred debt with XXXX XXXX XXXX. There was a judgment obtained for this debt in the State of New Jersey, XXXX County in XXXX, approximately 10 years later, in XX/XX/XXXX the law firm obtained a judgment in the State of Virginia  XXXX County of XXXX. A XXXX XXXX was delivered to my place of employment dated XX/XX/XXXX although the debt is no longer valid. This debt is over XXXX XXXX XXXX and per the Law in the State of Virginia it is over the Statute of Limitations.
Product: Credit card or prepaid card

My Name is XXXX XXXX, I work for the XXXX XXXX XXXX XXXX. I was traveling to XXXX from my XXXX in XXXX and tried to use my credit card three times on date XX/XX/2021. The bank closed the account stating that they thought it was fraud, after I paid them XXXX on my credit card. I can totally understand this, but I was talking to the customer service representative and they stated to keep on trying to use the card while I was on the phone with them. Every time the card got declined she said I can see what is happening on her end, she proceeded to reactivate the card and try again. Finally they wanted my live Passport Photo, SSN card photo, Driver license photo and a bill/payment that was in my name. I provide all of relevant documentation to them and they still closed my credit credit, it was the fault of the customer service representative telling me to try over and over when she was trying to see why my account was being flagged as fraud. I got stuck in XXXX because that was the only card I had at the time on me. My balance with the card was in great standing with credit card XXXX balance. Please assist, now my credit went down as well due to the XXXX credit credit being closed.
Product: Debt collection

LJ Ross Associates collecting for XXXX XXXX XX/XX/2016 Paid Debt Creditor Refuses to Remove debt.
Product: Checking or savings account

On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.
Product: Prepaid card

I used the card for a {$100.00} purchase and was charged {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}
Product: Debt collection

Back on XXXX, 2014, I went to XXXX XXXX, they offered me a discount for opening up a gap card, which I accepted. Card number : XXXX. I believed since I had given them my bank card to charge, that the charges I made that day were paid for. 

However, unfortunately, they put charges on the new card, which I didnt even have in my possession. In addition, my mail was being stolen and I never got any statements from Synchrony, or the actual card, which was never activated. 

3-4 months later, I get a call from a collection company, who says, I owe money to Synchrony/Gap. I immediately made the payment, and then I discovered that mail was being stolen ( See FTC report for stolen mail ). 

I had more than enough to pay when payment was due ( see bank statement showing {$19000.00} ). I paid off the account in full the first call I got from Collection company Attached : Banks statement ( showing I had {$19000.00} at time payment was due ) FTC report XXXX from 2014 showing mail was stolen including synchrony statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated a lease with XXXX XXXXXXXX XXXX prior to its expiration in XXXX of XXXX. From the outset, they have ascertained that I owe them an amount slightly over XXXX XXXX dollars, which constitutes in material part both a liquidated damages amount and a penalty for failure to provide sixty-days notice to vacate. 

Both of these amounts attempt to recover for the property owner in the event of the tenant 's breach, however, seeking to recover both constitutes a " double recovery for single harm '' which is forbidden under Colorado Court Rule. 

Further, a charge of XXXX dollars, when actual damages sustained by my breach are only XXXX and XXXX dollars clearly identifies this contract provision as a penalty, as it has no correlation to actual damages nor does it constitute any accurate speculation at what actual damages may be. Penalties in contracts are federally unenforceable under the Uniform Commerce Code. 

Moreover, as of XX/XX/XXXX, the debts in debate here pass Colorado 's three-year statute of limitations on contractual debts. As such, while there may remain legitimate actual damages, the material portion of the stated debt is no longer enforceable in court outside of my previously stated objections. 

I have attempted on numerous occasions to argue the validity of this debt with both XXXX XXXX XXXX  and their assigned collection agency National Credit Systems. I have exercised the dispute process both internally and with all three major credit monitoring bureaus to no avail. A discussion with senior management at National Credit Systems ended with the suggestion that I seek legal action because they have no intent on validating my claims, and no credit bureau will support me without judgment or court order. 

This debt as reported has always been a violation of FCRA and FDCPA regulations against reporting debts that are not legally supported by the organizing document or enforceable by law. I have always been willing to pay the legitimate portion of my debt and would have been willing to do so without creditor intervention, but XXXX XXXX XXXX has never given me that chance.
Product: Credit card

In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax and XXXX XXXX XXXX XXXX XXXX, both companies are reporting a debt that doesn't belong to me, XXXX XXXX XXXX XXXX XXXX sent over documentation showing a signature that isn't my signature just shows my name eletronically, I need real verification of debt showing that the debt belongs to me with my actual signature, my husband was incarcerated at the time of " lease agreement '' the signature doesn't match his signature nor does it match my signature, this account has been removed from my husbands credit report, I am giving equifax and XXXX XXXX XXXX XXXX XXXX 14 days to remove this from my credit report or I intent to file a suit. 

I need need to know what method was used to validate this debt from equifax and XXXX XXXX XXXX XXXX XXXX XXXX 

I uploaded the application showing that both signatures on the applcation are the same, so whoever signed this lease it was signed by only one party and the other signature forged, which constitutes fraud
Product: Debt collection

XXXX XXXX service : After using a two year service contract for two years and three months, I turned in my two TV signal receiver control boxes and my two hand controllers to the XXXX, Florida XXXX Store- XXXX XXXX XXXX - XXXX XXXX XXXX, Authorized XXXX   Retailer. My account was paid in full, through my XXXX XXXX XXXX direct pay account. After moving to a new location in Florida, I continue to receive billing from XXXX. Up to the amount of {$710.00}. I do not owe the XXXX  any additional money and they will not stop sending statements. We had to have a XXXX  technician come to our house, when the service was quite new, because the picture and auto was very poor in quality. He changed the two TV receiver signal boxes and stated they are the new style and they would or will improve the sound and picture quality. Through out this additional billing situation, someone from XXXX stated they think, by changing the two boxes increased the contract by another year. I would not have ever agreed to that procedure, if that was the case at that time. That technical service call was to repair and increase TV signal and poor service. The two year contract should have been the only contract in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX  XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance : {$260.00} ; Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX. 
INFORMATION SEARCHING Inquired on XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account Number XXXX 2. Please remove this information from my credit report XXXX Account Number XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account XXXX XXXX 9. Please remove this information from my credit report XXXX Account XXXX XXXX 10. Please remove this information from my credit report XXXX XXXX  Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy discharged Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.
Product: Vehicle loan or lease

Leased XXXX XXXX XXXX in XXXX via Tesla Finance LLC. Before the end of the lease, decided to purchase the car and reached out to Tesla ( XX/XX/XXXX ) for final purchase price of {$63000.00} ( Exhibit A in attachment ) On XX/XX/XXXX, wired funds of {$63000.00} to Tesla. Payment recorded against my account. On XX/XX/XXXX, Tesla auto-charged my bank account for the amount of {$1300.00} for the XXXX lease payment even though I paid off the car. Tesla confirmed that I would receive a refund when they sent me the Title to the car. ( See Exhibit B ) Received the Title to the car and a copy of the Bill of Sale on XX/XX/XXXX. Per Tesla, the buyout amount was miscalculated and I overpaid them by {$980.00}. ( See Exhibit B & C ) I have had corresponded with Tesla Finance multiple times since XX/XX/XXXX regarding the buyout of the lease and when I should expect to receive my refund of {$2300.00}. Each Tesla representative promises to fix it but as of XX/XX/XXXX, it has not been resolved. ( See Exh D for 4 pages of email correspondence ). I am now seeking CFPB 's assistance in this matter. I have attached copies of the documents referenced in my email. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year we paid a vehicle off, our XXXX  XXXX XXXX XXXX. PNC BANK is who the financing was through. 

There were 4 years of XXXX monthly payments to PNC bank, that were never late. Not one piece of this loan or payments were ever reported to any of the credit bureaus. We found this out when we tried getting a new truck loan and was told we didn't have any credit established ( this was through my business tax ID number ). We are now paying a much higher interest rate for a business vehicle loan due to this issue. I started with calls to my banks XXXX numbers and calls to the local branch. Finally one of the branch managers from a local branch escalated my issue to a retail service representative. This person called me once, I returned his call, and we spoke about my issue. He said he could see the issue and all of the communication I have had with the bank about the issue. He was to call me back 4 weeks ago now almost. I have made multiple calls to him, leaving messages each time, and he has not returned my calls. I've exhausted every effort to get someone at PNC to handle this problem and correct it and have resulted to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 Transunion XXXX XXXX XXXXXXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on 3XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appeared on my credit report that I have $ XXXX and I tried reporting it but its only temporarily fixed because it keeps going back and forth from $ XXXX to {$0.00} for available credit,
Product: Student loan

I don't agree with the current balance. The current balance is more than 3X the amount borrowed. Navient can not show more than 10 years of payments I made. I have been paying for 20 years and the balance goes up and they can not shoe payments I have made for many years.