23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested debt validation of two accounts being collected by ARS NATIONAL SERVICES INC. After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. ARS NATIONAL SERVICES INC. later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who ARS NATIONAL SERVICES INC. is, and I do not recall entering a binding loan agreement with this entity.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT SYS As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. 

Sincerely.
Product: Credit reporting or other personal consumer reports

I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, as late. This is inaccurate. For Equifax they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Debt collection

I have been contacted a few times by a collection company ( XXXX, XXXX  XXXX  ) by the name of XXXX XXXX whom say they represent a past landlord that says they have a balance due. The name of the apartment complex is called XXXX XXXX. I have not lived at that location since XXXX. 

I find it horrid to have credit company come from no where pushing for monies NOT due. On top of that reporting inaccurate information and affecting my credit report and number is obscene.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit score is not accurate and equifax has violated my consumer rights. Title 15, ch. 41 and ch. 94 sub chapter 1 & 2. 
15 USC 1681a3 and 1681a4 Equifax did not exercise their grave responsibility. You were unfair, you were partial. Equifax did not respect my right to privacy. 
I never instructed Equifax to furnish this report. Nor did I give Equifax consent or to create this report in the first place. Equifax never had permissible purpose from me.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
As the original creditor, I demand : Account # XXXX XXXX  XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX NCB ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Otherwise, this will cause greater damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Basically, what happened to me was a check scam. The incident began on XX/XX/year>, when the scammer XXXX XXXX first sent a group email to all XXXX XXXX XXXX XXXX to inquire about our interest in being a tutor for his daughter XXXX. Unfortunately, I replied to his email and that's when all the nightmare started. To get the trust and sympathy from me, the scammer XXXX XXXX fabricated the whole story of his miserable family. He claimed that he was a single father and that both his cousin and his daughter XXXX lived off him. He perfectly disguised his real intention at the very beginning to discuss the details of the tutor classes, including the fees ( {$50.00} per hour ), duration ( XXXX weeks ), background knowledge required ( XXXX  ), place ( XXXX XXXX ) and method ( online or in-person ) to teach his daughter, etc. Then, at some point, he suddenly asked me if he could first send a check with a large amount to me via mail and let me return the rest of the amount to him when the XXXX XXXX Although I clearly told him not to do so, he still sent me a {$3000.00} check money on XX/XX/year> when I didn't realize that this check was a fake one ( this was the first time in my life that I had ever deposited a check, and I had no experience to identify a fake check ). He asked me to deposit that check into my checking account, but obviously, this check was placed on hold by Bank of America since it was fake. He first hypocritically said that this situation was out of his expectations, but it turned out that this was also XXXX of his deception tactics. Shortly after I deposited the check, he begged me to first send him {$650.00} to reimburse his cousin and XXXX for their travel expenses back to XXXX XXXX because they were out of state at that time as he claimed. I easily agreed to lend the money to him because I naively thought no one would commit fraud in finding tutors with students. I used XXXX to make several transfers to the email addresses he provided, but only the {$150.00} transfer to XXXX XXXX ( which I suspect is a fake name ) on XX/XX/year> was successful. Other {$500.00} transfers were all experienced security reviews and were then rejected by Bank of America and XXXX XXXX. He also asked me to make the {$500.00} transfer through XXXX. This transfer was near to success, but fortunately enough, I got notified on XX/XX/year> saying that the check I deposited was fake, and then I immediately cancelled the XXXX transfer. I further confirmed that XXXX XXXX was indeed a scammer because he never replied to my refund request after I finally realized that his check was fake. You may find more details of this check scam in the evidence documents attached to this letter, including the XXXX Complaint Referral Form and all the previous transfer receipts, emails, and messages with the scammer XXXX XXXX. I have also included my XXXX form issued by the US Government to prove my XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

This specific one involves OneMainFinancial. I unfortunately lost my job XX/XX/17 after XXXXyrs. I carried the insurance to cover all possible if anything likeso or else happened to hinder me from paying my bill. Prior to this, never late being automatically withdrawn from my account. When this happened and no income, all paperwork for this was taken to the office here making them aware as well as no unemployment etc. I am now getting a notice from XXXX and XXXX, XXXX in attempt to collect this debt in the amount of {$6500.00}! In no way do I feel this is appropriately taken care of nor does it need to be appearing on my credit report as for against me as well. This has been a tremendously challenging event for my family and I to say the least. My health has been the main reason for landing me to not being able to work. If a way of so and to pay my bills as I have my entire working life, by all means I would be. The unfortunate thing that I never thought would happen did though. Thinking of that insurance always making sure if having would be there surely obviously not. I would greatly appreciate the help if anything in any way with this matter. Thx in advance for the time.
Product: Debt collection

Debt collection agency Crown Asset Management LLC, fraudulent misrepresentation threaten to sue me without written notification about debt. I didn't received or know if I could dispute debt with Crown Asset Management LLC. XXXX offered me a credit card for {$1100.00} after I purchased {$1100.00} of products for my business, unfortunately, I discovered a toxic hazard in the premise and everything have been exposed and landlord evicted me with all my property wrongfully and violate my rights. Since I have been leaving with tremendous anxiety, mental loss frequently and suffered with general illness including brain anguish. Crown Asset Management LLC without my consent file for my credit report that I find that it is a violation from my rights. 
Crown Asset Management without serving any proper paper, have a court date and file his or her file on my file for access to my other court files information. I felt malicious acts from XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I purchased 2 puppies for {$1000.00} using Zelle through XXXX  XXXX XXXX. I thought it would be okay to submit payment through Zelle because of how they allow transactions with Small Businesses as there website states. I was told by XXXX  XXXX XXXX that I may not be able to get my money back because Zelle doesn't offer protection.
Product: Credit card

In approximately XXXX of 2023, I hired XXXX XXXX to promote me on XXXX. They were to do this weekly over a XXXX month period. I paid them {$800.00} on my Discover Card. 
Their work was embarrassingly substandard, and I fired them and requested a refund from Discover. DS fought the dispute and Discover found in their favor and refused my request. 
I contacted DS to have them resume the work for which they had been paid ( which I would continue to make presentable ) and they refused. Told me I had to pay again. 
I requested Discover againthree times -- refund my {$800.00} based on the new information that DS was now refusing to do the work for which they had been paid. Each time they said the dispute had been resolved, despite my insistence that this was for a NEW claim. 
I was led to believe that DS had a location in XXXX XXXX, WA, which is about XXXX minutes from my home. I like doing business with local companies. After all this began, I went to the address on their website and discovered it is, in fact, a XXXX The manager had never heard of of DS and assured me they share the property with no one. 
I did a search on XXXX XXXX  website for DS and they have no registered agent here and no licensing and pay no taxes. It seems both I and Discover are doing business with an illegal company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, and ally financial ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day
Product: Credit reporting or other personal consumer reports

Please perform a full investigation. XXXX XXXX denied my fraud application without even receiving an Affidavit form on file. I want XXXX XXXX to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to XXXX XXXX XXXX XXXX XXXX 

I want XXXX XXXX fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the XXXX XXXX representative who gave away {$50000.00} unauthorized. 
I would like a full investigation as soon as possible. 

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. XXXX XXXX did NOT rewind the cameras inside of the bank, XXXX XXXX did NOT have an affidavit on file before making a decision to decline my request to investigate, also XXXX XXXX did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan. 

My ID and XXXX had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX marketplace have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX XXXX  platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have lied to me about the accuracy of my credit report. The collection agency said they sent the correct details which they didn't verify. They blame you for inaccuracy of my credit report. You need to understand the U.S Federal laws while operating in the U.S. I have attached the CFPB complaint of them Collection Company statement. If you have conducted a reasonable investigation. LETS READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVENT CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PRROF IN COURT. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, Experian XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your Collection Manager so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & Experian Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS.YOU HAVENT CONTACTED