23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a PayPal account but they are trying to collect money from me. I have talked to them several times and when I talked to them a month ago I told them not to ever call me again. 
They started calling me again today. I view it as harassment. I am almost XXXX years old. 
In my previous conversations I found out from them that someone opened a business account using my name and my social security number and my address and phone number. The email address associated to this bogus account was not mine nor is the associated bank account. They claim they deposited money in the associated account ( but it is not an account of mine ) and sent me an email again not my email account. 
They are trying to collect from me nearly {$800.00} I do NOT have an account with PayPal nor I have I ever received any money from them. I told them to go to the associated bank account -I think they said it was in NY XXXX I live in XXXX and I am XXXX  and DO nothing with PayPal. They have a bank account number so they need to go to that bank and leave me alone. The associated bank account has the name of the person who received the money and it was not me.
Product: Credit card or prepaid card

Called credit company to make a payment arrangement to bring past due balance current and up to date. I was to make 3 payments for a specific amount of time and the account would then be back current and regular minimum due would go back to normal. I was told that late fees and interest would not be charged the first two months of the arrangement. Considering I was making regular payments toward my balance before the regular due date to bring the account current then late fees shouldnt have been charged anyway because I wasnt paying anything late. However late fees were charged to the account even though I was honoring the arrangement and my balance wasnt diminishing and I was still getting notifications that my account was past due despite my payment agreement to bring the account current. When I call them they tell me that the payments are posting to the account but the payment agreement doesnt activate until after I make the third and final payment which makes no sense at all. Im making payments each month and the payment arrangement is a verbal agreement that should be honored by both parties from the time it is made. They also said that the payment arrangement to make my days past due current and not being my balance current which also doesnt make sense because payment arrangemts are suppose to make the balance current thats the purpose of payment arrangements. The supervisor that is like to was talking in circles and not explaining anything and it looks like they set up regular payments toward the card in the disguise of a payment arrangement to bring the balance current and continued to charge late fees even though I was paying on time. The whole thing was confusing. I realized when I saw my balance not going down that they never even sent me anything telling me the details of the r that o made just a letter thanking me for setting up payments as though I just schedule regular payments toward a card which is not what I did at all. It was to be a payment agreement to bring my balance current. None of thier explanations made any sense at all and if I made a payment arrangement Im not sure how it doesnt activate until my final payment in the arrangement or why I would be continuing to get late fees if Im paying on time.
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA.

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party Portfolio Recovery Associates 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 instruction
Product: Credit reporting or other personal consumer reports

i found a few accounts on my report i own businesses in XXXX states so iam always traveling g my information been exposed and someone is using my information and the creditors never notified me and iam in the process of buying real estate and they harmed me as of U.S code 1692g validation of debts what they did is illegal and against the law and they violated my consumer rights and privacy this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, these are the accounts : 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 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: Student loan

Under the current 25 years of payment of a federal student loan, where all dates between the start of payments through current date are now counted, I have no idea how close i am to the 25 years until the loans are wiped out. Am I 10 years away? Am I 15 years away? None of these student loan servicers have any clue how to calculate that end date or inform a consumer of how many more years are owed. This is VIABLE information that a consumer should have - a type of countdown to let me know and plan for future. I want ot know, given the 15 years that I have been paying on student loans, given certain forbearances, grace periods etc in my payment history, how many more years do i have until that magic 25 years wipes out my ever growing student loan debt. In the time that my servicer, Nelnet took to figure out my new program payment under the REPAY program, my loans amassed $ XXXX to the already $ XXXX that I owe in student loans ( it DID NOT START OUT WITH $ XXXX debt- but has grown due to interest tacked onto my loan ). I want a clear expected date provided to me with a response from NELNET. In addition, a consumer is UNABLE to even address issues with Nelnet at this time as the company shut down its email portal and the phone lines are perpetually busy with hours long wait times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept? 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : xxxx, which is enclosed with this correspondence.
Product: Checking or savings account

I had a business account with Capital One Bank ending XXXX with XXXX # XXXX by the business name XXXX XXXX XXXX XXXX 
In XX/XX/XXXX, Capital One Bank suddenly closed the business account without notice to me. 
After following up the matter with Capital One and making more than 20 calls for the close out money to be refunded, on Monday XXXXXXXX XXXX XXXX, Capital One Supervisor XXXX XXXX informed me that Capital One will not pay the {$970.00} and will not issue any close out check to me. 
At one point in XX/XX/XXXX, Capital One issued the close out check and then placed a block on the check without informing me of any reason, and so when I presented the check to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Maryland, it was later returned with the text : Return to Maker.. 
Thank you.
Product: Debt collection

First Recovery robo-dials my home 1-3 times per day and has done so for the past month. They are trying to collect a debt for a " XXXX XXXX ''. We are XXXX XXXX and XXXX XXXX XXXX. The person they are looking for has never lived in our home or had our telephone number. We have had our telephone number for over 20 years and we are the original owners of our home ( over 15 years ). 

The robo-dial message says to hang up if you are not the person they are trying to locate. This is useless as it does not stop the calls. I pressed 0, to speak to a human and advised said human that we are not who they are looking for and to stop calling us. 2 days ago the company representative said she was removing our telephone number from the account. That was a lie, as yesterday we received more calls. Said representative also advised us to " go ahead and sue ''. 

Our question is how to we get this company to stop harassing us with their robo-dialed calls, what recourse do we have and can a government agency make them stop?
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to keep XXXX XXXX XXXX accounts on report. this is there reason : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. 
Was a 1099c sent, if it was a charge off/ if they sold it to who? and when? why is this is not listed somewhere? 

Requested they provide the information used to certify the accuracy of the report. 
As XXXX has removed XXXX XXXX, I have personally called XXXX XXXX they stated they transferred the account to XXXX in XXXX then how were there XX/XX/XXXX late payments in XXXX? I called XXXX they have no record of me on any account, I called XXXXXXXX XXXX my name is listed as a reference only. please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXXXXXX XXXX and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting in touch with Experian and XXXX by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to Experian and XXXX with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted Experian by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call Experian to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port.

Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no means to freeze my credit with Experian. I was able to successfully freeze my credit on the other 2 bureaus. But Experian doesn't allow an option to freeze my account from within my already registered and verified account. It forces you to fill out a form here XXXX XXXX XXXX So I have re-entered the information ( which is less secure than a verified session after being logged in behind two-factor authentication ) But even filling out the form accurately it will return an error " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' This is unethical practice to make security freezes near impossible to achieve to push their paid service which does the same thing called " XXXX ''
Product: Debt collection

This company has continually called me about a medical debt. The last person I talked to specifically stated it would be noted on my account to no loner call or send communications of any sort. She also was extremely rude. Even after i told her that there should be no further communication, she went on to ask me if i am aware of the medical debt. 

I made it clear for the second time now in that phone call to cease and desist and that i already sent written statement for that. I am sending another one today through their email XXXX. The phone number they call from is XXXX and they are called Financial Recoveries. 

They have called me again today at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS VIOLATED MY RIGHTS ;XX/XX/XXXX CARD ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

On XX/XX/24 I received a email from WePay that my withdrawal from them into my account had failed but all previous transactions went through without issue. There is no reason for this. I contacted Chase Bank and they told me WePay closed my account ( which I just opened earlier this week ) and will be holding my funds for 120 days. I run XXXX XXXX XXXX  and can not operate at all without those payments first. {$410.00} is what they owe me. Immediately. Previous funds went through successfully so there is XXXX reason to hold this money.
Product: Vehicle loan or lease

Car was repossessed on XX/XX/XXXX. They did not give me 10 days to redeem collateral, they sent me a certified letter received XX/XX/XXXX ( tracking # XXXX ) "  Notice of Plan to Sell Property '' but the letter was dated XX/XX/XXXX and stated they put up vehicle for private sale on XX/XX/XXXX. This was all I ever received from them. Never have I received a notice of sale of collateral and possible deficiency. I am attempting to purchase a house but having problems because they show a repossession with balance owed {$8900.00} which does not reflect the sale info for vehicle. I have had nothing but problems with Albuquerque Auto Outlet from the get go. I need to have someone audit their disclosure and collection methods. I also called and spoke with XXXX XXXX on XX/XX/XXXX and advised of the problem. She stated she would call me back but as usual I have not heard anything.
Product: Mortgage

Request for loan forgiveness. 
Please see Release of Mortgage/Note attached. 
After much request also please see the attached recorded mortgage received from XXXX XX/XX/XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : 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 XXXXXXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have submitted several complaints to you agaisnt equifax on XXXX to remove inquiies that arent mine as well as collections, i got a notce today that they fished the investagation on their website, but i have claim # XXXX that was submitted XX/XX/XXXX were they stated they were deleting said inquires then today the investagation stated they are accurate which is not true and harvest XXXX collections I have sent them certied valation letter requesting some proof that i signed this never recieved anything from XXXX XXXX until now but equifax states its accruate they arent doing there job
Product: Credit card or prepaid card

On XX/XX/2020 i received an alert telling me a hard inquiry just hit my report and if it was me or not. It was not me. Called the credit card company about it they had already approved the person for the card they then cancelled the card and marked as fraud.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX