23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Tansunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit card

I was tricked by Paypal into paying for online purchases through Paypal Credit, even though I never signed up for a Paypal Credit account.I never gave permission to Paypal to be signed up for their credit account. I had my own money in my Paypal account ( not Paypal Credit ) that I assumed I was using when checking out online, but I unknowingly was being charged through Paypal Credit. When I would check out of these online websites, the option to use Paypal as a form of payment did not say it was " Paypal Credit '' so I was not aware that that is what I was being charged through. I am college student and did was not receiving the bills at school, so when I cam home last week I found an enveloped addressed to me that said that since I had not paid Paypal Credit back, I owed them {$510.00} ( I unknowingly had been charging a few items with Paypal Credit over a 4 month span even though I had money in my regular Paypal account ). I then received a letter saying that since I was late on this payment, my payment had gone into collections and that it could be settled for {$300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue I have encountered with my credit report maintained by Experian. This issue pertains to a late payment that was initially removed by my creditor, XXXX XXXX XXXX, as a goodwill adjustment, but has since been reinstated on my credit file by Experian. 
On XX/XX/XXXX, I reached out to XXXX XXXX XXXX regarding a late payment reported on my credit file. After reviewing my account and payment history, they graciously agreed to remove the late payment from my credit report as a goodwill gesture. I received verbal confirmation from XXXX XXXX XXXX stating that they had submitted the request to Experian to remove the late payment. 
However, on XX/XX/XXXX, I discovered that the late payment had been re-added to my credit file by Experian. This reinstatement occurred despite the agreement made by XXXX XXXX XXXX to remove the late payment. The presence of this late payment on my credit report negatively impacts my credit score and reflects poorly on my creditworthiness.
Product: Mortgage

Last month I called Santander Bank to notify them I was selling my cooperative and my lawyer needed the Stock Certificate and Proprietary lease. The person I speak with on the phone ( a " supervisor named XXXX from Rhode Island ) said she had the document sin the system. I told her the closing was XXXX/XXXX/219 and she told me she put in XXXX/XXXX/2019 for wiggle room so I would receive the documents. I called the next day, spoke to them same person who confirmed everything was all set. My lawyer wanted to speak to the bank representative to ensure the documents are sent to him. He called a couple of days latter, conferenced me in and this supervisor said documents could not be released until the loan is in full. My lawyer and I question such a practice and usually the buyer has a check for the bank at closing. This person ( forgot the name as initially she would not give a name and then when someone in the background told her to make up a name, she XXXX one out ) insisted the HELOC must be paid in full before the transfer documents could be released. The next day I scoured over the contract and could not find where it said the loan must be paid in full before the property could be sold. I does not make sense for a mortgage. I again called Santander and spoke with a supervisor name " XXXX ''. I asked him about the clause about paying in full before I could sell my home and asked him t show me where in the contract this clause is. he had me on hold for 10 minutes, and then said he would call me back. He never did. I Saturday XX/XX/XXXX, I went into the XXXX branch to pay off the HELOC. I was told they do not take payoffs of loans on Saturday 's, only on business days. Due to my work schedule, I could not get to the bank until Friday XX/XX/XXXX. I paid off the loan and asked how long before I get my documents. I was told it takes 3 business days and then the request goes to the back office. The XXXX branch now says they have done everything, and can no longer assist. I called Santander today about my documents. I was told that because I paid with a check and not a cashiers check, I must wait 8 business days before they start processing the release of the documents. Why wasn't I told that when I went into the bank on XXXX XXXXI would have gotten a cashiers check. I was assured it was a 3 day wait. I may lose the sale of my home because of Santander. Where are my Stock certificate and Proprietary lease? I demand that Santander release them asap and over night them to me. My loan is paid off, the checks have cleared. Either Santander lost my documents and is stalling to make excuses and or they have poorly trained people who contradict each other.
Product: Debt collection

Capital One Has Been Harassing Me From Numerous Numbers Claiming A Debt I No Longer Owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1692 ( a ) Portfolio Recovery Associates used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Portfolio Recovery Associates also violated 15 USC 1692j ( A ) because PORTFOLIO RECOVERY ASSOCIATES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Portfolio Recovery Associates sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Portfolio Recovery Associates can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX Formerly XXXX Account # 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. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form XXXX  but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on noticed that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. Experian has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC : XXXX XXXX XXXX 

attached is a copy of my most recent credit report and also a transaction statement where it shows what I paid and this is the information they keep furnishing to Experian however the account is closed/ and charged off therefore they should have sent me a XXXX  form from the IRS XXXX and not report inaccurate information on my consumer report.
Product: Credit card

This account is from synchrony Lowes and belongs to my wife not me they confirmed this on the phone that I am no lo and authorize user and I said please tell me why you guys are putting this to my credit. They said they would need a copy of my Social Security card and drivers license. I will choose to give that to them and said this is the violation. Do you know Im not an authorized so please stop reporting to my credit report because youre in violation of 15 USC 1681 they have reported late payments, and a card. It is not belong to me. im asking please have them remove it from my credit report as is this is in violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 



Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 I sent a debt validation letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I did not receive any correspondent from this company within the 30 day time frame ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a debt validation " default '' letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I have not received any correspondent from this company within the 7 day time frame listed on the XX/XX/2021 letter ( post marked XX/XX/2021 ). 

This company continues to report false and inaccurate information on my credit report.
Product: Checking or savings account

Today, for the first time, I am reporting someone trying to SCAM me " and probably many others, including the elderly '' about my " their '' debit card with Citizens Bank. Please, help stop this. There is an " active '' link in the email that you may not be able to access from me posting it to this message. 
I will send you information from the email I received : Subject : Financial Fraud CITIZENS-ALERT : Your Debit/ATM card has being restricted due to an unusual transaction. Visit : XXXX to reactivate your Debit Card.
Product: Payday loan, title loan, or personal loan

Attempts have been ongoing since XX/XX/XXXX to inquire about discrepancies within our loan balance. We believe our loan should be paid off, yet Regions states we still owe approx. XXXX more. We believe our original loan was XXXX equal payment of {$430.00}. As of XX/XX/XXXX, we have paid that amount. In XXXX, we filed bankruptcy and reaffirmed this loan. That reaffirmation agreement included 4 extra payments ( XXXX total ) even though agreement states there were no changes to original loan. We have recently ( XX/XX/XXXX ) paid those 4 payments, even though there has not been any explanation for those extra 4 payments. With these 4 payments, our bankruptcy reaffirmation agreement has been met. We have requested our original loan agreement several times. We have requested with several associates to investigate discrepancies with possible errors in payment processing. All attempts have been ignored after initial request. Our home and future credit is now in jeopardy. My attempts started with my local branch in XXXX, Ky. The manager literally threw his hands up at me and stated that his office could not/would not do anything else for me -- - this was my first official meeting with him! He also told me that I shouldn't pay anymore payments and that maybe whomever came to repossess my home might be the person who would have the information I was seeking about my loan -- -REALLY???. This is how Regions treats someone that has faithfully made XXXX + payments for past XXXX? When inquiring about loan, I have be been accused of not making payments... even though they had payment history, but refused to look through it. I have been disrespected/ ignored throughout the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance reporting missed payment in XXXX and XXXX of this year. The account has been closed for over 4 years. The payment history is in accurate and against the FCRA. I want it removed with the whole account or I will take legal action after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my Transunion dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my Transunion report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
Product: Payday loan, title loan, or personal loan

Someone took a loan out in my name years ago and it popped up on my credit making my credit drop 96 points. I disputed it now it came back and dropped my credit 61 points saying I need a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX
Product: Vehicle loan or lease

Chase Bank lost my refinance check. Not refinancing my car loan will cost me {$4000.00} and it will allow Chase Bank at least {$5000.00} more in interest during the life of my car loan ( if I only make minimum payments ). The check was sent to the right place for the right amount with the correct information. There was no reason for them to lose the check. They have also had more than enough time to apply it as confirmed by the director of my credit union retail division.
Product: Credit reporting

Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 there was a hard inquiry on my credit reports from the loan company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them my information, nor am I looking into a loan. They somehow were able to access my personal information and ran a hard inquiry against my credit without my consent, approval or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my dispute to transunion due to an improper investigation, date XX/XX/2019 until today I don't have any answer attach copy of my letter
Product: Debt collection

XXXX is saying that I owe this debt and I constantly tell them that its not my debt! I am a product of identity fraud!!! Im tired of the harassment! 

XX/XX/year> is when they said the debt was obtained. 
{$900.00} is the amount Ive sent dispute letters one after the other Its the only thing thats negative on my report! This is not my Debt
Product: Debt collection

I lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again. 

In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails. 

The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.