23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,
Product: Credit reporting or other personal consumer reports

Capital One | Spark Business Account XXXX XXXX XXXX XXXX XXXX XXXX  In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

At XXXX MST on Saturday, XX/XX/19, a person identifying themselves as XXXX XXXX left a message on my home phone stating that she was calling regarding a time sensitive personal business matter and asking to be called back during ordinary business hours at XXXX, ext XXXX. No other information was given. My phone recorded the call as having come from NAVIENT and the calling number as XXXX. I still have the recorded message. 

I tried unsuccessfully to call back that afternoon. The recorded message was that I had reached something known as XXXX XXXX XXXX, but that the business was closed. When I called back several times on the next business day, Monday, XX/XX/19, the person answering the phone on each occasion also identified the business as XXXX XXXX XXXX. 

I have never had any dealings, business or otherwise, with either NAVIENT or XXXX. 

When I finally reached Ms. XXXX she asked for the last 4 digits of my Social Security Number. I refused to give that information to her without her explaining why she was calling, and why she found it necessary to call before XXXX in the morning. She stated that her company was contacting me in connection with some contract they had with some taxing entity of the State of New Jersey. I told her I had never lived in or had any business with New Jersey. As for the time of her call to my home phone which has a XXXX area code ( peculiar to a small portion of Colorado in the XXXX area ) she dismissed that with well, it could be a cell phone number so we wouldnt know where it was at the time we called!! I guess its OK with her to call any number at any time, regardless of the law. As it happens, my home phone which she called is a land line. 

She also claimed, falsely, to have sent me a letter, and to have spoken previously with my wife. 

Ms. XXXX finally gave me the full name of the person she was trying to contact, and I think I was able to convince her that I am not that person. We have similar names, which I will be happy to share, if necessary. 

According to Ms. XXXX, our conversation was recorded. 

Her actions constitute, at the very least, violations of the FDCPA : specifically, 15 USC 1692c ( a ) ( 1 ) calling before XXXX at the consumers location ; and 1692e ( 10 ) and ( 11 ) making false representations, and failing to give mini Miranda warnings ; and the Colorado Uniform Consumer Credit Code : specifically, CRS 5-5-109 ( 2 ) and ( 4 ) ( b )  engaging in unconscionable conduct, such as communicating at an unusual hour so as to harass the consumer
Product: Debt collection

I did not receive a notice of debt owed or any bills or letters about an account that XXXX claimed I owe. I noticed the account on my credit report and I sent a certified letter XX/XX/2021 requesting the alleged debt that is reporting to my credit report be validated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX did not provide me with any documents or information to validate the account. 

First thing I need to see is an agreement with your client that grants you the authority to collect on this alleged debt. I need this information below as requested. If you can not provide ANY of these requests for you to legally report and collect for this account : The account name is XXXX XXXX Account # XXXX Agreement that bears my signature of alleged debtor wherein he agreed to pay the creditor. Alleged account number and address on file for alleged debtor. Name and address of alleged creditor. Name on file of alleged debtor. Date of original charge off or date of first delinquency of the alleged debt. The exact amount of the alleged debt. Date this alleged debt became payable. Verification or proof that this alleged debt was assigned or sold to collector Complete accounting of the alleged debt. Were any judgments obtained by any creditor regarding this alleged account? Any insurance claims made by any creditor regarding this alleged account. The commission for debt collector if collection efforts are successful and paid.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

To Whom It May Concern, We have a MIP on our mortgage. We are at an estimated 68 % loan to value. I have asked M & T bank several times for it to be removed and it has not been done. I am estimating that we have reached the necessary 78 % 10 months ago. Our mortgage is in excellent standing, never late and additional principle payments. The last time I requested for the MIP to be removed I received a letter stating that it would be removed when my loan has reached an unpaid balance of {$500000.00} my unpaid balance is {$480000.00}. 
My desired resolution is to remove the MIP and be reimbursed for the months that I should not have been paying. 
Thank you in advance for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is in regards to Portfolio Recovery Associates. Following receipt of a letter from from PRA 's attorneys, XXXX XXXX XXXX, back in XXXX, I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. After a month went by with no documentation, I called XXXX XXXX XXXX to find out where the requested documentation was. I was told, at that time, that documents would be forthcoming. I waited another month, & no documentation arrived. I have now called numerous times requesting documentation, each time asking it be sent certified mail for proof. No documentation has ever been received. 

In the meantime, on XX/XX/XXXX, I received a summons. Upon receipt of the summons, I immediately called XXXX XXXX XXXX, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option. 

As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempts to exercise my right to arbitration or mediation, if need be, have been ignored. Each time I have advised the reps at XXXX XXXX XXXX that I wish to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them. 

Clearly, Portfolio Recovery Associates & XXXX XXXX XXXX are trying to overwhelm, harass & threaten me. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary. 

This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. Portfolio Recovery & XXXX XXXX XXXX are XXXX, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against them. Thank you.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ;, a copy of the creditors payment ledger for the following accounts showing that I was ever late. If you cant supply the information of the alleged late payments please remove /update immediately XXXX XXXX XXXX XXXX account # XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit card

I made a purchase from a company called XXXX XXXX for a non conforming item with my PayPal account. I returned the item and waited for the company to issue the credit. The company did not provide the full credit so I filed a dispute with Paypal. 

I filed a dispute and was issued credit for the item. Later Paypal charged my account an additional {$130.00} and put a restriction on my account. Mind you, I pay my bills monthly with them. I called to ask why this happened they tell me I would have to contact PayPal credit. Why is the consumer saddled with determining who it is you're dealing with? They do this to frustrate the consumer and try to steal your money! I am on the phone right now with PayPal credit and I am recording the call. She can't make heads or tail of what it is PayPal is doing. She's asking me what is Paypal doing? How am I supposed to know? If XXXX is an agent of Paypal, why am I saddled with trying to decipher what Paypal is doing? 
Paypal credit said they never gave me a credit twice but just once. They do not know what Paypal is saying, or doing. They only issued the credit once and not twice as the letter from Paypal is stating. 
This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was logged into XXXX and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, XXXX companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with Equifax and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Product: Credit card

I was interested in using XXXX older credit card more prominently for the associated benefits, however, the credit limit on these cards was {$750.00}, and {$2000.00} respectively. I had this same issue with capital one last year when they approved me for the walmart card, they only gave me a {$1000.00} limit despite having over XXXX XXXX XXXX then too .... It would appear that Capital One has a habit of rejecting all applications without sending them to the underwriting dept first. 

I use over {$750.00} a week in charges often thus asking for the credit limit increase was a pragmatic attempt to prevent overcharges ... despite having an XXXX XXXX XXXX, no debt, no bills, and adequate income to debt ratio, I was still rejected without any legitimate attempt to consider my credit-worthiness. This would be XXXX times capital one has rejected my applications despite being perfectly qualified for the requests I have made. 

I am attaching the rejection letters for the record.