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

I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. GM Financial is providing false and inaccurate information to the credit bureaus.
Product: Debt collection

In XXXX of this year I received a call from Portfolio Recovery Associates ( PRA ) regarding a {$10000.00} outstanding XXXX debt through a XXXX XXXX. They followed with a phone call 3 weeks later. XXXX had sold this debt to PRA, and PRA was trying to collect this from me. I have NEVER had a XXXX account and made this very clear to them. Still they have been calling and sending forms. I spoke to to PRA this morning because they said they needed more information. When they asked for my address, I gave it to them which they already had. They also have an address for a XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. I asked why they hadn't pursued this and couldn't get a reasonable answer. PRA offered me a settlement which I declined because I'm not going to pay for something that's not mine. PRA only wants to collect this debt. I need this to go away because it dropped my credit rating from the high XXXX range to the mid XXXX 's. Please help me with this. 
Thank you.
Product: Debt collection

This letter is to inform you that Lending Club has failed to respond to my credit dispute letter and failed to verify that this account belongs to me that I sent certified mail on XX/XX/2019. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. It is my contention that Lending Club Corporation know they can not tie me to this account, otherwise, they would have done so when I made my initial request. Lending Club Corporation is blatantly disregarding the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX. I was disputing the account with XXXX XXXX/ XXXX. The account was closed and sent to the collection agency XXXX XXXX. I sent XXXX XXXX a payment in full for this account back on XX/XX/XXXX. I sent Equifax proof from XXXX XXXX stating this account was in fact paid in full along with a letter that was mailed. I also disputed a charged off account with the XXXX XXXX XXXX that should never been listed a charged off that account was also paid in full. however it is still being reported incorrectly. I have sent them proof that this account was in fact paid I full. I have not received any corresponding information from Equifax since sending these items to them in XX/XX/XXXX
Product: Credit card or prepaid card

I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX  bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus.
When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before.
I would like my bonus miles and an apology for false advertising.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to or now collected by XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Product: Credit card

Amazon subscription charged to my Amazon store card through Synchriny Bank monthly without authorization. Charged a {$40.00} late fee each month for {$16.00} prime fee that I was unaware of. Asked for card to be canceled and charges removed. Synchrony Bank says they will not remove charges and card remains open, because I sent dispute info to Amazon address. I believe the prime fee box was checked on something I did not intend and was required to unchecked. This is a sneaky subscription scam
Product: Credit reporting or other personal consumer reports

After I filed a dispute with XXXX, Shellpoint Mortgage doing business as NewRez stated that I still had a mortgage on the property I previously owned at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I closed on this property and transferred title to this property on XX/XX/2023. Shellpoint continues to report inaccurate information to XXXX despite the evidence that I closed on this property on XX/XX/2023. Shellpoint dba NewRez even sent me an acknowledgment that my mortgage was paid in full. A copy is attached for your reference.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services / PYOD LLC placed an " account in collection '' listing on my credit reports alleging a debt owed to them. In one instance Resurgent states the owner of the alleged debt is XXXX XXXX. In another instance they list PYOD LLC and the alleged debt owner. I requested copies of the alleged debts purchase history and assignment documentation but received an in-house debt summary letter and a random statement from XXXX XXXX. 

Upon further investigation, I discovered that Resurgent Capital Services and/or PYOD LLC is not a licensed debt collector in the state of Ohio, where I reside and as such violated the FDCPA and the FCRA by reporting this alleged debt to the credit reporting agencies. 

Additional investigation noted that the collection and correspondence notices, along with their mailing envelopes included their corporate logo in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I pulled my report and seen some fraudulent hard inquiries on them and i need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I broke my lease 1 month early and moved out of the apartment I was renting. The apartment complex then sent my remaining balance owed to GLA collections. My lease was up in XX/XX/2021. I moved out in XX/XX/2021. GLA collections then started reporting my balance owed to the credit bureaus on XX/XX/2021. In XXXX of 2021, they started reporting the same balance to the credit bureaus. Only this time with a different account number. I have tried to dispute this duplicate account, but every time it comes back as verified and accurate when in fact it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit report. 

CAP ONE AUTO Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} CAP ONE Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Payday loan, title loan, or personal loan

I revoked authorization on XX/XX/XXXX via email and chat and asked for another repayment plan. I put stop payment on the debit as well. On XX/XX/XXXX they debited my account {$670.00} causing me not be able to pay rent. I have emailed them several times and have not anywhere.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Purchased vehicle XX/XX/XXXX -XXXX XXXX Bank alleged to have given a loan and or " Credit '' for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX. whereas on or around XXXX received a Notice from Harley Davidson Credit Corp. Not XXXX Savings Bank XXXX XXXX XXXX stating they were the new loan servicer. I never received any notice form XXXX stating that they were transferring the loan for any purpose. Whereas I did not have a chance to dispute this action. Now the loan servicer whom I do not have any contractual agreement has taken adverse action against me XXXX reporting negative payments to the credit bureaus under the name of Harley Davidson Credit Corp violating " FCRA '' rules and regulations XXXX. Provided my personal and consumer data to another XXXX party that threated me on behalf of " HDCC '' and said agents would be showing up to my door to reposes the vehicle violating " FDCPA '' 15 USC 1692. This is ALSO a '' Breach of Contract '' according to the Promissory Note that has a Mandatory " Arbitration '' Clause. Whereas violating this agreement to Arbitrate. Whereas the right to Arbitrate has not been waived and the matter is an arbitrable issue. " XXXX HAS ALSO DISCHAGRED THE DEBT AS OF XX/XX/XXXX AND HAS FAILED TO PROVIDE A NOTICE OF CHARGE with a correct amount or a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting is incorrect. It is erroneous. It is reporting that there was a 30 day late. This is not the case and needs to be deleted not only is it a closed account but the uniformity of the credit card company is not reporting correctly the only company that is reporting correctly is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : PREMIUM CREDIT BUREAU Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear PREMIUM CREDIT BUREAU This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PREMIUM CREDIT BUREAU Made on : XX/XX/2020 Made with : XXXX & XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

This collection is reporting closed and supposed original creditor is also reporting this on my credit report. There's a lot of inaccurate reporting between XXXX XXXX  and AFFIRM. Booth are reporting the same unknown debt.
Product: Credit reporting or other personal consumer reports

XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX 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, credit repair services, or other personal consumer reports

I ' need help sending documents to trans union because I don't believe they sending over proper documents I send and finish my investigation to fast been victim of identity theft and need help correcting my credit report Report number XXXX
Product: Debt collection

Opened up XXXX XXXX XXXX card Live in Idaho. Saw card was used in California - Called XXXX XXXX XXXX and disputed charges, told me they closed my account for fraud / identity theft. 
Then get notice I am being sued for " debt '' bought but Midland credit management for account that was closed for fraud. 
Process server for Midland credit came to home and threatened to notify neighbors, friends, family and work. ( Have on video via our XXXX camera ). Asked to please leave property and stop threatening us.
Product: Credit reporting or other personal consumer reports

SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the Middle District of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Product: Credit reporting or other personal consumer reports

I have never had or applied for a credit one card. I was part of equafax data breach and I have been trying to dispute this from all through credit reporting companies with no avail. It's been years now that I have been informing companies of this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

This letter serves as a formal dispute and demand for immediate removal of an unlawfully reported account that does not belong to me and was placed on my credit report without my consent, notification, or proper debt validation.

Factual Dispute of Alleged Debt The account in question, Account # XXXX, reflects an alleged balance of {$1500.00}, yet : 1. I have never entered into any agreement, contract, or financial obligation with XXXX or any related creditor regarding this balance. 
2. This account was fraudulently placed on my credit report in violation of my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. There is no legally enforceable contract bearing my signature to substantiate any obligation to this debt.

Clear Violations of Consumer Protection Laws Your actions in reporting this account without proper verification violate the following federal consumer protection laws : 1. Lack of Legal Obligation & Enforceable Contract Under federal law, a debt can not be enforced or collected unless there is an agreement signed by the consumer. Since I never entered into such an agreement, this account must be deleted immediately under 15 U.S.C. 1666a ( b ) of the FCRA.

2. Failure to Provide Debt Validation Prior to Credit Reporting Under 15 U.S.C. 1692g of the FDCPA, a debt collector must validate the debt before reporting it to a credit bureau. You never provided me with a validation notice or proof of debt, making this collection attempt illegal and unenforceable.

3. Failure to Notify Before Reporting Negative Information 15 U.S.C. 1681s-2 ( a ) of the FCRA requires prior written notice before an account is placed on a consumers credit report. I was never notified, making this a blatant violation.

4. Unlawful Collection Attempts & Harassment Any attempt to collect a debt that is not validated, enforceable, or legitimately owed by the consumer is a direct violation of 15 U.S.C. 1692e ( prohibiting false or misleading representations ) and 1692f ( prohibiting unfair collection practices ). 
Pattern of Consumer Rights Violations by XXXX I have not filed a complaint with the XXXX XXXX XXXX ( XXXX ) because XXXX has a documented history of completely ignoring consumer complaints and continuously violating federal laws. It is well known that XXXX : Fails to respond to XXXX disputes, demonstrating bad-faith business practices. 
Repeatedly violates the FCRA and FDCPA by reporting unverifiable debts. 
Engages in deceptive collection tactics, including fabricated documentation and misleading account information. 
I refuse to allow XXXX to continue its unlawful practices against me. This matter will be escalated to federal regulators if immediate action is not taken.

Formal Demands Immediate ActioXXXX Required