23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cavalry Portfolio Services Llc have submitted multiple fraudulent cases against me through XXXX XXXX XXXX. The first case docket # DC XXXX XXXX for a credit card i never had and XXXX XXXX XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with XXXX XXXX that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.
Product: Credit card or prepaid card

I have an excellent XXXX score - XXXX as reported by XXXX XXXX XXXX XXXX. The Downloaded credit report from XXXX does not match with the refusal reasons provided by Wells Fargo. 

* Serious Delinquency >> No such information on a credit report by XXXX * Lack of recent installment loan. 
>> I do not have a need for a loan and this is not a loan application * Too little time has passed since bank cards were opened.

>> I have 2 cards, one was opened in XX/XX/XXXX and the other in XX/XX/XXXX. 
* Account has late payments or negative records within 1year of  opening. 
>> I always pay in full and no such late payment info in my record. 

Since each card refusal ( hard credit check ) has a negative impact on my credit history, I want a detail review and explanation on the refusal. The refusal summary and credit report DO NOT MATCH.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On XX/XX/XXXX, I reached out to XXXX XXXX XXXX , XXXX, regarding a debt that is not mine, but is reporting on my credit report for via XXXX in the amount of {$420.00} with an open date of XX/XX/XXXX, via letter. The letter asked them to validate and verify the debt within 30 days, and if not validated nor verified during the allotted time frame, that a complaint would be filed due to noncompliance with this request and could possibly put the company in legal trouble with the FTC and other state or federal agencies. It is well over 30 days and I have not received a response. Under the FCRA 15 U.S.C. 1681i, all inaccurate, no contract, invalidated, and unverifiable accounts must be promptly deleted. Therefore, since they were unable to verify and validate this debt, I am asking that it is removed from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : TD AUTO FIN, XXXX, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Debt collection

I requested that Caine and Weiner validate an account with documentation that they are reporting on my credit reports. The company did not validate the account and the account remains on my credit reports. This goes against the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I was never properly served and only learned of a legal complaint after being contacted by soliciting mail. 
I immediately contacted XXXX ( see the letter attached ). XXXX did not answer me as well and did not confirm whether they have hired this company as an Attorney. 
Then I filed a complaint against XXXX, submitting the same letter. 
Their answer is also attached. 
So XXXX is basically confirmed the alleged debt was sold to this company, and they have nothing to do with it. 
This company illegally filed a LawSuui against me on behalf of XXXX, without their knowledge of it, have never served me properly.. 
XXXX has never provided me with information about how much this debt was sold for, and whether their bill of sale was or was not, allows collectors to bring the law suit against me.

As per XXXX, collectors have had the file about alleged debt since XX/XX/2021, but I have never received any letters from them, as it requires by FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX XXXX  XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Product: Debt collection

well back in XX/XX/2022 consumer sent complaint to the cfpb concerning several important issues, only to be closed, due to ' '' concerns that my letter showed a possible second person was using my info or sharing in the complaint, though i continued sending my information 's, .consumer finally got a response from the company, now this response is dated XX/XX/2022, at an address i know longer receive mail there, not my place of abode and during this time frame the company " kia finance '' had someone to come and tow my car on XX/XX/2022 while my disputes were still being processed but not yet settled and therefor I called police to report car stolen and was informed it was repossessed without my knowledge or consent, which left consumer at a very bad loss, so back to the letter this finance company consumer has no idea who these people are, i had full rights to withhold all payments until company complied with there obligations and duty 's ....
Product: Consumer Loan

Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed. 
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search. 
Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes. I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : SSN # XXXX Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX and XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XX/XX/XXXX above account on XXXX report . After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and Transunion deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX and XXXX credit report above Late payment on XX/XX/XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
Due to consideration XXXX major agencies reported same account as a accordingly and due to FCRA I can request to removed that late payment above account your agency as well. 
Please remove that Late Payment as soon as possible your credit file. 
Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the inquiries with XXXX XXXX and XXXX  and nothing has been done after numerous attempts. These disputes are not mine and I have never heard of these companies that these reporting agencys are saying that I said it was ok for them to take out an inquiry on my credit report
Product: Debt collection

In XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. In XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle and in XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had a car accident and I was in XXXX and my daughter also had a baby.
Product: Money transfer, virtual currency, or money service

I would like to investigate Navy Federal Credit union and its XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX fraud. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ( XXXX XXXX  ) Experian sent report that dispute has been solved. I disagree because of the missing and incorrect information in the Experian Report dated XX/XX/XXXX used to solve the dispute. 
On XX/XX/XXXX report XXXX, XXXX, and XXXX are missing. 

XX/XX/XXXX was the first date of delinquency ( 30 days late according to Experian Report dated XX/XX/XXXX. 
XXXX XXXX ( late 30 days XXXX XXXX ( late 60 days ), XXXX XXXX 60 days and XX/XX/XXXX late 120 days Report dated XXXX is incorrect. 

XXXX XXXX Should have been removed XX/XX/XXXX The first date of delinquency ws XX/XX/XXXX. XXXX XXXX and XXXX account was late 30, 60, and 60 days. 


I am requesting that the ccounts be removed from my report because of account age
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear Capital One, Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 
I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 
This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

complaint about paypal : : : purchase made at XXXX XXXX XXXX transaction reported after no delivery purchase through paypal via salvation XXXX store on or around XX/XX/2023. After no information regarding delivery and not being able to contact store, I contacted PayPal regarding a refund. fFirst report XX/XX/2023. XXXX subsequent calls ... .both transferred to debit card payment departments. Was given update on processing refund first time. XXXX call occurred today and after transfer to department again, agent picked up, said hello and after I responded, they hung up. As of today, I have tried to contact store directly again to no avail, ( by phone and XXXX message, per paypal instructions ) nor have merchandise been delivered. below is information regarding dispute with paypal : : Case details Case ID : XXXX XXXX XXXX : {$48.00} USD Date reported : XX/XX/2023 Transaction reported S* SQ XXXX XXXX XXXX XX/XX/XXXX, Payment - XXXX  XXXX XXXX ID : XXXX Amount {$48.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " XXXX  '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX BANKRUPTCY
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX