23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owned two Paypal Credit? Bill Me Later accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to XXXX XXXX XXXX I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ 300 monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to XXXX XXXX XXXX. I have since informed XXXX XXXX XXXX that my accounts were paid to the original creditor ( Pay Pal/ Bill Me Later ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. XXXX XXXX XXXX has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.
Product: Debt collection

I have tried several times to have this account removed from my credit report. It is Receivable Management, I do not have any contract or account with this company, yet they have my nonpublic personal information. I have a FTC report as a formal statement that this is fraud. I have requested that the consumer reporting agencies remove this item from my credit report, but they have not complied with my request. They have violated several codes under the FDCPA and FCRA. I am requesting to have this removed from all 3 of the consumer reporting agencies.According to 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Under 15 U.S. Code 1692k Civil Liability ; I have attached all supporting evidence including the FTC Identity theft report and the amount of damages that I as a consumer am looking to collect.
Product: Student loan

I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Validation of Debt of {$85.00} and Intent to Arbitrate To Whom It May Concern, I am writing regarding an account that you have reported on my credit profile. I dispute this debt and am formally requesting validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The information being reported on my credit profile has negatively impacted my creditworthiness. I am requesting that you provide the following information to validate the debt : 1. Proof that you have the legal right to collect this debt. 
2. A copy of the original signed contract or agreement for the alleged debt.

3. A detailed accounting of the debt, including the original creditor, account number, and amount owed.

4. Evidence that you have notified me of this debt prior to reporting it to the credit bureaus. 

I also want to emphasize that I am prepared to pursue arbitration, as provided by applicable laws and consumer protection policies, if this matter is not promptly resolved. Reporting a debt to the credit bureaus without proper prior communication or validation could be a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please respond to this request within 15 days of receiving this letter. If you can not provide sufficient evidence to validate the debt, I request that you cease collection efforts and remove any negative reporting from my credit profile. 

Failure to validate this debt may result in further action, including filing a formal dispute with the credit bureaus, reporting violations to the Federal Trade Commission ( FTC ) the Federal Deposit Insurance Corporation ( FDIC ), and proceeding to arbitration or other legal remedies as necessary.

I look forward to your timely response. Please send all correspondence to the address listed above. 

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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX  ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX  Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

We, the undersigned parties, are co-signers on a lease agreement. We have recently discovered that our accounts have been sent to a debt collection agency, which has negatively impacted our credit reports. This action was taken without any prior notification, calls, emails, or letters from the debt collection company, denying us the opportunity to address or dispute the alleged debt before it affected our credit. 

Timeline and Actions Taken : Tenants received no communication from the debt collection company regarding the debt. There were no attempts made by the company to contact the tenants via phone, email, or postal mail. 

Refusal to Communicate : The company has refused to speak with XXXX of the co-signers, my father, about the debt, despite him being listed as a debtor. This lack of communication has prevented us from understanding or resolving the alleged debt. 

On XX/XX/year> : I personally reached out to the debt collection company, leaving a message to inquire about the debt and request communication. As of this writing, there has been no response from the company. 

After Initial Contact Attempt : We requested verification of the debt. In response, we received only a ledger from the company, which lacked any detailed information, such as the contract, names of the debtors, or specifics of the charges. This document did not provide the necessary information to verify the legitimacy of the debt. 

Access Issues : We attempted to access the company 's online portal for more information but were unable to do so due to the requirement of a PIN, which was never provided to us in the letters ( additionally, no tenants received any letters at any point in time. We have attached the letters that the cosigners received, which display no pin ).
Product: Debt collection

On Complaint # XXXX AD Astra stated XXXX XX/XX/23 that they would have this debt removed from my credit report. They state it could take up to 30 days, it has now been 65 days and it is still on my credit report. Phone calls have gone unreturned. There previous answer was a blatant lie and has caused me severe harm in receiving financing. I have attached the previous answer showing what they said they were going to do and they have not done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

No Money Was Taken But I Have 2 Hard Inquirys That I Didnt Do. One From Capitol One, The Other From Cabelas. I Dont Use Nor Shop Those Places. Are People Opening Lines Of Credit In My Name?
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report from Milestone Card, I never signed ANYTHING FROM THEM!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX XXXX  consumer credit agencies XXXX, Transunion and XXXX letting them know that the information that they have on my XXXX  profile is XXXX  and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.
Product: Credit reporting or other personal consumer reports

My account with XXXX  the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Update the late payment to paid as agreed Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received a letter from transworld systems inc saying I owed XXXX from a previous rental apartment debt they bought. I requested verification from them and they sent a log of invoices from my previous landlord. I reached out to my previous landlord and asked them to confirm that they sold my debt and they told me they had not sold any debt in my name.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. 
I closed my credit card account number XXXX at Citi a few months ago. 
and paid the balance in full. 
I was told that if there would be some credit posted back to the account by the vendor, that money would be returned to me as a check. 
There has been a credit of {$130.00} after the account was closed and Citi has failed to return that money despite my contacting them 3 times.
Product: Debt collection

I received calls to my cell phone, a number I never provided to the company, the only number I provided was my land line, they do not have my permission to contact me on my cell phone, therefore they are breaking the law Telephone Consumer Protection Act ( TCPA ). The number the call comes in is always a different number with the area code 904, but the number they leave on the voicemail to call back is XXXX XXXX XXXX, which is the collections department of citi-bank. I want them to stop calling my cell and make me incurr in charges from my cell phone company without my authorization.
Product: Credit reporting or other personal consumer reports

We have been making additional payments above and beyond our minimum due since this account was first opened/transferred to Shellpoint. Shellpoint for several weeks/months was not reflecting these additional payments on our account which has resulted in me calling them and creating several customer service tickets which are reflected upon our account since XXXX. Some customer service reps would tell me they knew how to fix the issue, and to just check back in a week. Eventually we received a letter that said we were late on a payment ( even though our dashboard showed we had made every payment, on time, and were in fact OVER PAYING against our minimum due ). I called in XXXX and was told to ignore the letter, that the over payments were simply not being recorded and that the service rep I spoke with that day would fix it all. Now today my wife and I have both received alerts on our credit reports that we have a past due account with XXXX XXXX. This is unacceptable. For XXXX people that literally over pay this is absurd to make matters worse I was told I would not hear back from their credit department for at least XXXX business days.
Product: Mortgage

My mortgage company sold my loan to PNC mortgage in XX/XX/XXXX. My original contract which was signed when I purchased my home states I will agree to carry flood insurance to cover the outstanding balance of my loan for the life of my loan. When my mortgage was sold to PNC Mortgage they told me this was not sufficient and I would need to increase my coverage to include the replacement value of my property or they would purchase it for me. I feel PNC mortgage has changed the original agreement of my loan after purchasing it from United Wholesale Mortgage. I sent them a letter explaining the situation but they continue to send me responses that I need to increase my flood insurance coverage. At one point PNC mortgage 's insurance department insisted I had only {$60000.00} worth of coverage and would need {$180000.00} worth of coverage when my insurance company sent them several documents reporting my coverage at {$110000.00} which is the amount which I have always had for coverage since the purchase of the property in XX/XX/XXXX. I feel this may be due to a kickback situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open up  XXXX  accounts at  XXXX  different banks.I wa s denied by chex systems.I do n't have any delinquent bank account reporting to the chex systems.They ar e discriminating against my personal life.I should be able to open as many bank account as I want.Along as I am in Good standing with those banks and is responsible financially to manage those accounts.I will be filing a  XXXX   XXXX  dollar federal class action lawsuit against chex systems for reporting inaccurate incorrect and inaduaqute items to those who have an positive banking  history.This is also causing me emotional distress and I am sure it is causing others emotion distress too.Chex systems incorrect inquiries on my credit report.Why am I and others being penalized for dum stuff.If no one is delinquent  or have an bad credit history banks.Then that should n't matter.What should matter is that person has a positive banking history.  <P/> Here the key factors   for on the report saying I could n't open an account.
-Time since non DDA -Inquiries Activity-I should have a right to open as many accounts as I want.
-Non Evidence of Asset Ownership.Why are they focus on my asset.This is a form of discrimination.
-Non DDA Inquiries or Retail Item History.
-DDA History.
<P/>
Why is this stopping me from opening up an account ... This is does n't say I am of risk to any banks.I am requesting a full investigation.I am requesting these item  s on my report be removed asap.They are not an reflection of my life and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX  XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXXXXXXREPORTED AS COLLECTION UNPAIDXXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.BANK OF XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID. 


15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.