23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid my balance off in XX/XX/XXXX i have debit statements proof, they sent me a paid in full letter, the rep said it would be deleted from off my credit report, yet I still see it on there months later and I called to reassure on XX/XX/XXXX and a different rep said that they dont delete paid balances, then why would the first rep falsely lead me on to pay a debt that wouldve fallen off by law XX/XX/XXXX Portfolio Recovery associates XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE.
Product: Debt collection

LVNV Funding LLC has reported that I owe a debt to XXXX XXXX XXXXXXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC c/o Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX Accounts : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. XXXX XXXX XXXX - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1.  XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX  XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX  XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX
Product: Debt collection

Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX  requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX  and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX  again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
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 that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a XXXX form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX XXXX XXXX {$150.00} open XXXX I wish to highlight that I have not signed any XXXX XXXX, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in XXXX days I have also attached my documents
Product: Debt collection

Solar Mosaic , Inc. is sending me letters to collect a debt that is currently under investigation. I initiated an investigation with Solar Mosaic Inc. in XX/XX/ regarding their diversion of a {$55000.00} home improvement loan to XXXX XXXX XXXX without validating the phases of the construction project. XXXX XXXX collected the loan money but never completed any project as stated in the contract. Despite my confirmation with my city 's planning and building department that XXXX XXXX never submitted any plans for the XXXX project and that the permits are not completed, Solar Mosaic Inc. proceeded to give XXXX XXXX a loan that was secured for this project. Now, I'm receiving debt collection letters for a loan that was never used for my project, as XXXX XXXX XXXX diverted these funds to other unknown projects. Solar Mosaic Inc. is aware that XXXX XXXX XXXX XXXX 's license has been revoked since XXXX with the XXXX which can be verify online but Solar Mosaic Inc. continue to do business with them.
Product: Debt collection

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for XXXX XXXX XXXX XXXX with a balance of {$400.00}. I have XXXX numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.
Product: Consumer Loan

I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required. 
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment. 
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it. 
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.
Product: Student loan

I paid more than {$60000.00} in student loans that I cosign for my daughter college and now out of the blue the American Education Services claim that I still owe them a {$19000.00} outstanding student loan so I ask the company to send a documents showing my signature on this loan, they fail to do so, they never send me a documents showing that loan, it 's been more than two months since I ask this company to send me this documents, and they can not find any documentation for this loan yet, and in the mean time they keep sending a bill I 'm paying the bill every month to keep my credit in good shape,
Product: Credit reporting or other personal consumer reports

late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Afternoon, on XX/XX/2019 I called Equifax Consumer Department at XXXX in direct regards to the Serious Issues, concerns & violations of the several laws listed under the Fair Debt Collection Practices Act & Truth In Lending Act and as well as to raise my complaints/concerns with these persons involved, as a consumer, pursuant to Title 15 U.S.C 1692a ( 3 ) & Title 15 U.S.C 1692a ( 4 ).

The violations Ive noted below, were spoken/communicated to persons involved, of which the woman representative by the end of the HOUR long Phone call, at Equifax stated I was correct and needed to pursue legal action among other options of remedy against all parties involved in this fraud. To be honest there are several obvious serious violations and this is particularly concerning to myself, wife, family & household, and we strongly feel this is criminal at its best & are now are having anxieties, & issues arise now because of these facts especially when discussing how the family can move forward safely. Equifax, Inc et, al, willfully, knowingly, & intentionally and other persons involved violated the following ; Title 15 U.S.C 1681 Section 616 for Willful non-compliance with the requirements of the Fair Credit Reporting Act, Title 15 U.S.C 1692a ( 6 ), Title 15 U.S.C 1692c ( a ), Title 15 U.S.C 1692d ( 1 ), Title 15 U.S.C 1692d ( 2 ), Title 15 U.S.C 1692e, Title 15 U.S.C 1692e ( 2 ) ( A ), Title 15 U.S.C 1692e ( 9 ) Title 15 U.S.C 1692j ( A ) ( B ), IDENTITY THEFT for obtaining personal identification information without PRIOR consent and CREATING an account in my name without my knowledge.

The representative gave the follow statement & actions : obtain following Copy of consumer Complaint/Legal Item/or Police Report Copy of Personal Identification [ ID ] / Drivers License Copy of Residency Papers [ Address ] & a Letter Request, in regards to the Account that's being disputed & the accuracy or inaccuracy on my Credit Profile.

Mail or Fax This is not acceptable, as per exactly what is stated in the Title, the law states very clearly the procedure, and prohibitions. Pursuant to Title 15 U.S.C 1692K ( A-1 ) ( 2-A ) & 15 U.S.C 1601 et, al.

Upon hanging up the 52 minute 34 second call, I finally Logged on to Equifax for the 1st time ever, [ another reason why I called Equifax Consumer department, to inquire how do I have a account open, & was unable access it, if I NEVER personally, willfully, knowingly, & intentionally opened/registered/viewed the Initial Account ( thats Identity Theft ). But it doesnt end there. Oh no, then upon logging in, i view my Credit Profile, and on the Inquiry page it clearly shows EQUIFAX inquiring/accessing/adding/reporting on to my Credit Profile 3 times within that 1 hour, which mind you is the Exact same reasons as to why I called initially, The Violations per the Title ( s ) listed above & to ultimately resolve this entire matter and set my Credit Profile/ Credit Standing/ consumer enforcement & verbal/written instructions concerning a remedy for these trespasses.
Product: Vehicle loan or lease

Ally has stolen my property, refuses to give me my title as my car is paid off. Ally Auto continues to violate my rights, causing me massive stress, grief and loss, and also continues to violate my demands and request according to the FCRA. Ally has confirmed the car is payed off via email. ( see exhibits ) Ally received my certified mailed billing error Notice ON XX/XX/2022. I received on XX/XX/2022 a correspondence from Ally acknowledging receipt of my billing error notice and promised to respond as soon as possible ( see exhibits ) with an investigation on account ending in XXXX which BELONGS TO ME via originating my credit card ( 15 usc 1602 ( l ) Ssn # ) by financing on this consumer credit transaction. INSTEAD of responding back with a correspondence/investigation THEY STOLE MY PROPERTY ON XX/XX/2022 Which is a criminal offense and also in violation of 12 cfr 1026.13 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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

I graduated in XXXX, with five loans from XXXX. The total amount borrowed when I graduated was {$18000.00}. As of today, after going through a rough patch, relying on deferments on forbearances, I owe {$32000.00}. This is after paying {$4400.00}, so Ive accrued {$18000.00} worth of interest and penalties. Thats almost as much as I borrowed initially. 

I need this loan to be more manageable. I thought I would eventually qualify for student loan forgiveness based on my public service of working in XXXX  for four years and XXXX  for three years ; however, based on how the loans are structured, the loan will not be forgiven. 

There should be some type of cap on the amount student loan servicers can charge for interest and penalties. The amount I've accrued is 95.9 % of the actual loan. Something needs to give because I know I'm not the only one with this heavy burden. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I had my credit report sent to me while I was XXXX  with the XXXX XXXX XXXX XXXX from XXXX until XXXX, during that time frame someone created a account with XXXX # XXXX open date XXXX using my identity to with out my knowledge or consent. As you can see the account was created while I was XXXX, and I couldnt possibly create it. I sent XXXX XXXX, trans union, XXXX, and XXXX a letter stating the same thing with copies of United States district court order of my self surrender sedated and signed by a federal judge for the date of XXXX, also enclosed a copy of my discharge date which is XXXX Im currently in a XXXX XXXX XXXX still in the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. What Im asking is for this to be removed and blocked I have a XXXX police report # XXXX also reported to the FTC report # XXXX I clearly proved this wasnt me and they claim its verified which is impossible cause I was in the custody of the United States government during that time frame. Please delete from credit report. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX NUMBER : XXXX [ Account XXXX : XXXX  NUMBER : XXXX [ Account XXXX : XXXX  NUMBER : XXXX { Account XXXX : XXXX  NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). 
Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.