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

I am writing this due to the fact that XXXX, Equifax, XXXX  have reported I have an outstanding debt with. They have failed to uphold the law. 
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 - any and all accounts 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 ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed in the credit report. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Product: Money transfer, virtual currency, or money service

This initial communication is an attempt to inform you of monies exceeding {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX UNLAWFULLY taken from XXXX  as agent signatorys account for XXXX in an apparent complicit scheme with the financial institutions and/or Clearinghouse activities that you claim contractually to represent in this manner. 

XXXX has provided detailed information with signed contracts including but not limited to the hold harmless agreements, therewith clearly and conspicuously signed by the alleged injured parties requesting their monies be returned, further supports XXXX right to a claim for the unlawful and illegal removal of monies from the associated accounts in connection with XXXX work performed. 

XXXX has included in this communication those names and amounts taken. Therefore, XXXX is now requesting that Square , Inc will make XXXX as agent whole again with a mutual agreement for three times the amount UNLAWFULLY taken and meet compliance with the Illinois statutory codes for damages intentionally incurred by Square Inc.s egregious behavior. 

Additionally, XXXX has no intention of waiving any of her rights to be restored all monies unlawfully taken. 

Moreover, if Square , Inc fails to meet compliance, subsequently XXXX is requesting Square, Incs insurance information. Please include its insurance agents name, policy number ( s ), general liability amounts, adjusters name, location and telephone numbers. See the enclosed demand for insurance information as Exh 1. 

Conclusively XXXX is requesting a full refund of all monies unlawfully taken, according to her letter of claim as addressed to the appropriate senior management team, underscored by her certified mailing # XXXX XXXX XXXX XXXX XXXX sent on XX/XX/19. see Exh 2
Product: Debt collection

Kahrs Law office P.A. in XXXX, KS levied my XXXX XXXX XXXX XXXX account for XXXX dollars and took all of my money from my bank account and XXXX it out. XXXX XXXX XXXX XXXX acknowledged that they disclosed to Kahrs Law office my account balance, routing and account number to their office and XXXX XXXX which I know has to be illegal practices. XXXX XXXX XXXX XXXX claimed they were being " served " by the law office but I never got any letter in the mail or any communication whatsoever from Kahrs Law office, XXXX XXXX XXXX XXXX or the XXXX XXXX District Court where I live before the funds were put on hold and automatically drafted from my account on XX/XX/2024. I live in XXXX XXXX, Kansas. The time limit statute of limitations for debt in Kansas is 5 years. This debt is almost 7 years old and is originally from XXXX XXXX. They claim it's XXXX dollars in debt and I never got anything in the mail or any communication/ letters or phone calls from their office saying I owe this amount to Kahrs Law office. This is an exaggerated amount of debt/ old debt and I am asking this debt be forgiven please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and the company still has not validated the alleged debt per 15 usc 1692g.
Product: Mortgage

Attempted to contact the company via web page. Have not received a response or confirmation. My homeowners insurance premium has not been paid. The insurance company is contacting me to collect, but the premium is included in my escrow account.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan through a company called XXXX XXXX XXXX on Saturday, XX/XX/XXXX. They found Minto Money to give me the loan. I had received a notice that I didn't qualify so I didn't think anything of it. On XX/XX/XXXX {$1000.00} was in my account. They sent me the terms of repayment and the interest and payment terms are robbery. {$300.00} every XXXX weeks. I believe it is for 2 years. They gave me only a day to back out. I have their money and I want them to void the contract immediately so I can return their money.
Product: Checking or savings account

I hired a moving company to move me from XXXX XXXX to XXXX. The company did not provide a truck large enough to accommodate my move despite upping the estimate the day before. The truck they sent from a third-party vendor was almost completely full and would not have even accommodated the original estimate. They said they were looking for another truck that had the space and would let me know. Instead, they left without telling me anything. They said they would reschedule a move to another date when they could get the truck but that was not the date I agreed to and had to get my things out the day we scheduled. I had to hire another moving company which cost me twice as much on short notice. They said they would refund my money and never did. Then they offered me {$600.00} off the {$1800.00} it cost me and I said that wasn't good enough so I filed a dispute with the bank. The dispute was denied and now because I filed a dispute the company is no longer willing to give me the {$600.00} back and is mocking me because my bank " doesn't even have my back ''. The {$600.00} is still not enough but better than nothing.
Product: Credit card or prepaid card

someone opened a credit card account under my name and ss number and the bank send it to them. totally different address. after finding out thru collection letters. i called the bank. and they respond that they don't see any fraud. don't know what to do? 
trying to get statements. to do my own investigation and i never got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies " Trans Union and XXXX  '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit report.
Product: Debt collection

* Henry L. Robertson d/b/a Attorney for XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, stole private property owned by the consumers Trust claiming the consumer owes a debt, proceeded and took legal actions against the consumer on violating 15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

* Henry L. Robertson d/b/a Attorney did not communicate with XXXX XXXX XXXXXXXX, the consumer about obtaining his place of abodes location, violating15 U.S. Code 1692b - Acquisition of location information * Henry L. Robertson d/b/a Attorney did not receive oral or written consent to contact consumer regarding any debt, violating 15 U.S. Code 1692c - Communication in connection with debt collection * XXXX XXXX XXXX d/b/a Attorney proceeded and sent certain deceptive forms to the consumers place of abode on XX/XX/2021, and XX/XX/2021, violating 15 U.S. Code 1692j - Furnishing certain deceptive forms * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX all XXXX cease and desist orders issued on XX/XX/2021, XX/XX/2021 and, XX/XX/2021 by the consumer, violating Federal Consumer Law , according to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication, * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has used deceptive and unconscionable means to collect a debt , violating15 U.S. Code 1692f.Unfair practices * XXXX XXXX XXXXXXXX the consumer is entitled to damages according to, 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted XXXX XXXX XXXX today and they told me it wasnt their issue and I needed to call the reporting agency. Transunion, the one reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!
Product: Vehicle loan or lease

Santander Consumer USA Was paid in full of agreement for Account I have reached out 5 times in the New year of XXXX regarding the 1099C Form regarding the settled payment in which the letter received XX/XX/XXXX requesting 30 days for all updates to be reflected in records and Release of title if applicable. 

In the 5 times Ive contacted Santander Loss and Recovery department. I have requested documents each time and Given no response. Transferred from agent to recording that will eventually disconnect every single time.
Product: Debt or credit management

I used lexington law for 12 or more months from XXXX to XXXX. I feel I was taken advantage of.
Product: Debt collection

The collection Portfolio Recovery Associates , LLC Keeps on calling me everyday collecting for a credit card debt XXXX that was discharged by the company years ago when I got sick from XXXX XXXXXXXX. The letter they send me says Account XXXX for the amount of XXXX I don't remember the amount but it wasn't that. 
I requested in writing for proof or paper work of this from the original company and didn't get a response. 
This company likes to collet on closed and discharged accounts they did it to me before. 
Can you please look into this. 
The addresses for Porfolio recovery they send are XXXX XXXX XXXX, XXXX, Virginia XXXX and the number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX VA XXXX They call from a different number and different area codes every time Thank you for your help XXXX XXXX
Product: Prepaid card

Received a XXXX gift card XX/XX/XXXX. Have tried using it at all retailers I frequent including all grocers, online merchants, XXXXXXXX XXXX, XXXX XXXX, Gas stations, XXXX .... and it only worked one time at an overseas merchant ( XXXX ). They will not release my funds and the advice is to try again elsewhere, but there is nowhere else to try. Reaching a real person seems next to impossible and the automated responses do not apply and are not helpful. 

At this point I feel like it's fraudulent of the credit card company to take the money and then refuse to allow us to use the money.
Product: Debt collection

On XX/XX/2020 I received a XXXX XXXX alert that collection was added to my account. Here is information from XXXX  XXXX  : Creditor Information CONTRACT CALLERS INC XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Opened : XX/XX/2020 ( 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Placed for collection Original Creditor Name : 11 XXXX Contract Callers Inc registered at XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX has never contacted me about this debt. They did not send me a letter or call me over the phone. I am very upset no one informed me about this debt and that now I have a derogatory mark on my credit report. 

I would like to : 1. Complain about CONTRACT CALLERS INC unethical debt collection practices. 
2. Have CONTRACT CALLERS INC validate the debt they are trying to collect. 
3. Remove derogatory marks from my credit report from all 3 Bureaus and provide a written statement that they did it.
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. 

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 has violated my rights. 

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

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

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

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] Date : [ Insert Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Re : Dispute of Credit Reporting Under 15 U.S. Code 1681o Dear Sir/Madam, I am writing to formally dispute the significant changes to my credit score that occurred between XX/XX/XXXX and XX/XX/XXXX. During this period, I have noticed a substantial and unexplained decline in my credit score. I believe this negative change may be the result of negligence or non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which outlines civil liability for damages due to negligence.

Upon reviewing my credit report, I observed the following discrepancies that may have contributed to this adverse impact : I have reached out to my XXXX credit card companies. I was unemployed and had trouble finding a job. And I actually was involved in an accident in the summer for XXXX. Which limited a lot of things that I use to do. 

The XXXX credit companies that I have are XXXX XXXX XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681o, I request that you investigate and rectify these inaccuracies or omissions promptly. If the information provided to you by third parties ( e.g., lenders, creditors ) is incorrect or incomplete, I hold the credit reporting agency liable for any damages that result from this negligence. 

Please provide me with the following : A detailed explanation of why my credit score declined during the specified period. 
A copy of any corrections made to my credit report after your investigation. 
Any supporting documentation or evidence used during the review process. 
Any written assurance that my credit report now complies with the FCRA and accurately reflects my credit history. 
I expect this dispute to be resolved in a timely manner as per the legal requirements under the FCRA, and I request confirmation within 30 days of receipt of this letter. If I do not receive a satisfactory resolution, I may seek legal remedies for civil liability under 15 U.S. Code 1681o.

Please direct any correspondence related to this matter to the address or email listed above. 

Thank you for your prompt attention to this issue. 

Sincerely,
Product: Debt collection

I reached out to this company in regards to an alleged debt that I owed them with a debt validation letter where I requested the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX ) The purchase agreement ) XXXX ) Swear under penalty of perjury you were present during the alleged debt ) They responded via email with XXXX document from the company XXXX XXXX XXXX which had my last bill amount on it. That document proves NOTHING and it is not validation. It is a deceptive form under XXXX XXXX XXXX - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

This collection agency along with the credit bureaus are in violation. The credit bureaus are allowing invalidated, inaccurate information to be reported to my consumer report which is a violation of XXXX XXXX XXXX XXXX ( b ). 

On top of that the " amount owed '' doesn't even match. 

Remove this account.
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX XXXXl and XXXX  XXXX XXXX  along with XXXX, XXXX and Transunion. In regards to several accounts on my credit report that does not belong to me. XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts does not belong to me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have been requesting any notes placed by Capitalone on my credit card accounts dating back to XX/XX/2020 along with any notes regarding my most recent disputed transaction for over 3 months now. I've contacted capital one in writing, email, and chat. The only response i've received is via email that if I want to discuss my dispute I have to call. As I have told Capital one several time I do not wish to discuss my dispute and I am medically unable to call. I just want a copy of the notes on my credit card accounts, and the notes from my most recent dispute. Their response is always the same we feel the dispute was handled properly and we will not respond to you again. Again! I just want a copy of all the notes on my account along with the dispute notes. I'm not at all interested in speaking to capital one about my dispute nor have I asked them to discuss it further.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit card

I placed an order for eyeglasses on my Care Credit ( Synchrony Bank ) card at XXXX XXXX XXXX on XX/XX/year>, but cancelled the order before the charge was placed on the same day. Despite this, the business charged my card XXXX days later. I filed a fraud claim, but Care Credit claims that I authorized or benefitted from this purchase. I have never received the eyeglasses and XXXX XXXX XXXX can not show that I received the eyeglasses. I was able to close me account with Care Credit, but they say I am still responsible for the charge. I would like the charge expunged.
Product: Debt collection

My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.