23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
ATTORNEY GENERALXXXX XXXX Balance {$49000.00} ATTORNEY GENERAL-CHI XXXX Balance {$58000.00} XXXX XXXXXXXX XXXX Balance {$230.00} OAG XXXX XXXX XXXX XXXX Balance {$49000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute Credit Closed Accounts and Collections 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 This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, PAYPAL XXXX charged my XXXX credit card {$1600.00} for a ebay shipping transaction that should have been {$16.00}. ( Screenshot # 1 ). I immediately contacted XXXX/PayPal and they let me know they knew of the issue and it would not post on my account. 

3 days later the charge posted, I then opened a dispute with XXXX, and received a credit for {$1600.00}, the difference of {$16.00} is for the true cost of shipping. 

I then had a hold placed on my PayPal account for {$1600.00}, the amount credited by XXXX, and when I received money into my account for a different transaction, PayPal held these funds. ( Screenshot # 3 ) Summary : PayPal charged {$1600.00} for a {$16.00} transaction Charge posted to my credit card, dispute opened and I was credited {$1600.00} PayPal placed a {$1600.00} PayPal has now held {$1600.00} from a separate transaction.
Product: Credit reporting

TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold.
Product: Money transfer, virtual currency, or money service

I received an email out the blue from PayPal stating my account has been restricted for " fraud '' saying I can not do business with them anymore but stating no reason or where this came from. I have no fraud reports or chargebacks. When I tried to login to my account, it won't let me transfer my money out. I have a resume writing business and these proceeds came from clients booking consultations and one client paying for a recruiter bootcamp. I will not service any clients until I get my money. All the clients who submitted orders will have to reverse with their banks and PayPal will be at fault. Also, this is grounds for a class action.
Product: Checking or savings account

On XX/XX/2022 I was selling a music festival ticket on XXXX XXXX XXXX. We were messaging for a bit and he offered to XXXX me for the ticket. Then, he told me he sent it but the money couldnt go through due to my amount capacity and that I should have received an email from XXXX as well. My guard was totally down because at first I completely believed that these emails were actually coming from XXXX. Then, I follow the instruction in emails and had to send {$240.00} to extend to the amount capacity of {$500.00}, because he sent {$260.00} ( the music festival ticket price ). I reached out to my bank, Chase in XXXX, Arizona and they went ahead and filed a dispute. They told me if I hadnt heard anything in 10 days and the money hasnt gone back in my account, I should call back. Being a college student, I had a busy week and was unable to call the bank during their hours on the 10th day. I finally had the chance to call them today, XX/XX/XXXX. They let me know that the investigation had already been closed so there is nothing they can do. First, why would they close the investigation before notifying me. Secondly, they let me know since I approved the XXXX transfer there was nothing they could do and had no protection for scams. I have also heard of cases where people have accidentally XXXX the wrong person and the recipient refused to return it, but were still able to get there money back. Please, I am a college student and this is some money I could actually use. I would just like the money back, nothing more, nothing less. I will become more aware and skeptical to lessen the likely of this ever happening again.
Product: Debt collection

this company AD ASTRA RECOVERY SERVIC HAVEN'T GIVE ME A CONTRACT I SIGN WITH THERE COMPANY I WANT A DOCUMENT WITH THERE COMPANY NAME AS A HEADER WITH MY SIGNTURE THAT STATE I OWN THEM ANY AMOUNT AND IF THEY CAN'T GIVE ME THAT DELETE THE ACCOUNT WITH ALL CREDIT COMPANIES NOW
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : 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 According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Checking or savings account

Citi bank allowed me to open a checking account I deposit money in there. The money set for 3 days and I didnt do any activity on my account. I woke up the next morning reading en email Citi bank has sent regarding my account closure. I was told I violate a term and my account being closed. Now Im Being told I have to wait 30-60days for my money when I asked the young lady over the phone was there anything stopping me from having this account stay open she responded back and said no. Now my account is restricted and im out of funds until 30-days im not able to get to work or provide food for me and my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. 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, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 liabilit
y and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over XXXX old Thank You, XXXX XXXX
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 XXXX XXXX, Account Name : XXXX XXXX  XXXX, 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 USDOEXXXX XXXX, USDOE/XXXX XXXX 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX # XXXX Experian : XXXX XXXX- XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for him self. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX. I have never been late. I paid on time XXXX and XX/XX/XXXX. Update to paid as agreed. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XX/XX/XXXX. XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XX/XX/XXXX. Delete this account. XXXX Account # XXXX I have never been late. I paid on time XX/XX/XXXX. Update to paid as agreed XXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX XXXX XXXX  Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX DELETE this account. XXXX XXXXXXXX XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX DELETE this account. XXXX Account # XXXX Invalid Date of last activity XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. DELETE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on me and my husbands Equifax credit reports that {$3300.00} is owed but the account was resold at auction. XXXX XXXX was supposed to send us proper documentation of their Right of Redemption : including amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.
Product: Vehicle loan or lease

IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE SENT LETTERS CERTIFIED LETTERS WITH RESPONSE A BACK FROM THEM. THE ISSUES AT HAND I HAVE SEEN AND DISPUTED THEY HAVE REFUSED TO REMOVE THE ACCOUNT AS IT IS NOT REPORTING ACCURATELY. DATE OPENED XX/XX/XXXX AND DATE FIRST REPORTED IS XX/XX/XXXX HOW IS THIS EVEN POSSIBLE TO HAVE A LOAN THAT LONG AND THEY REPORT ALMOST 4 YEARS LATER AFTER THE DATE THE ACCOUNT WAS OPENED? THE TERMS AS WELL ARE REPORTING INACCURATELY AT 80 MONTHS NEVER SIGNED A CONTRACT FOR 80 MONTHS ON A LOAN BEFORE. THEN TO REPORT A RECENT PAYMENT OF {$500.00} IS INACCURATE REPORTING ON SANTANDERS BEHALF. SANTANDER CONSUMER USA FOLLOWS THERE OWN RULES AND DO NOT ABIDE BY ( FDCPA ) NOR THE ( FTC )
Product: Credit reporting or other personal consumer reports

Dear Transunion I am writing to formally dispute unauthorized hard inquiries listed on my credit report. After reviewing my credit profile, I noticed the following inquiries that I did not authorize : 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  I did not give consent for these companies to access my credit report, and these inquiries are a violation of the Fair Credit Reporting Act ( FCRA ). I request that you investigate these inquiries and remove them from my credit profile immediately. 

Attached to this letter, I have included : A copy of my government-issued ID for verification purposes A utility bill or other proof of address for further identification Please investigate this matter promptly and provide me with written confirmation of the outcome. If the inquiries can not be verified as authorized, I kindly request that they be removed from my credit file. 

If you require any additional information or documentation, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of my dispute. 

Sincerely, [ XXXX XXXX XXXX, Beneficiary UCC 1-308
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card

This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request, Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX, DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX, this is not even a valid account number with any accounts that I ever had in XXXX. Nor did I pay an account off with Barclay in XXXX. 
Barclay Account number ending # XXXX was link to a bank account for ACH/electronic transfer that was listed in a BK in XXXX.
Product: Vehicle loan or lease

I financed car XXXX XXXX XXXX from XXXX XXXX  and I had loan with ally bank Due to job lost I did not make few months payment. My car was reposed XX/XX/XXXX. XXXX XXXX  approved my loan with high interest rate monthly {$720.00} car payment plus gap insurance. 
I requested for my personal items but they never gave me a information where is my car now.