23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received multiple letters from Portfolio Recovery Associates, LLC trying to collect a debt that was paid a long time ago. The statue of limitations expired ( they even state that on the correspondence to me ).  I have asked for any proof of that I still owe this since my records show this was paid off. The company sent me a statement of account ( first page ) ( like what you get in the mail ) that was dated XX/XX/XXXX. I have sent 5 letters to this company stating that I don't owe the money and that a statement of account is not proof of a debt. Today ( XX/XX/XXXX ) I received 3 letters from 3 different people at their company telling me to send a request for substantiation of the debt. They have reported this debt to collection agencies which I am now having to work to get removed from my credit report. I'm tired of this company ignoring my correspondence and continuing to report that I owe money I don't. They are affecting my credit score. Furthermore, they know they can't sue me for this debt but they won't leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I submitted a dispute with Equifax regarding my " XXXX XXXX XXXX XXXX '' account ( Account Number : XXXX ) on XX/XX/XXXX. Equifax provided a confirmation number for the dispute ( XXXX ), and the investigation was completed on XX/XX/XXXX. 

Background : This account was included in my XXXX  XXXX bankruptcy, which was discharged on XX/XX/XXXX. After the dispute, Equifax posted charge-offs and late payments from the month after my bankruptcy discharge through XX/XX/XXXX. This is incorrect, as the account was part of my bankruptcy discharge. Additionally, I actually paid the remaining balance on this vehicle account, kept the vehicle, and received the title free and clear. This account should not have any post-discharge negative reporting, and does not on the other XXXX credit agencies. 

I believe this violates provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Bankruptcy Code discharge injunction ( 11 U.S.C. 524 ). 

Impact : As a result of this inaccurate reporting, my credit score has been negatively impacted, and it has hindered my ability to apply for a vehicle loan this month, which was a part of my financial planning. 

Additional Issues : During this dispute, my XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts were supposed to be removed but were not. Both have incorrect dates of first delinquency reported on Equifax now. These accounts were properly removed from XXXX and XXXX, as it has been 7 years since the date of first delinquency. 

I respectfully request a review and correction of these issues by Equifax to reflect the accurate status of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues. 

account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22. 

I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill. 

I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done.

Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare.

They couldn't even tell me the numbers on my own card after 3 hours of being on the phone.

The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN!

I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case.

Please help me appeal this case with Apple Card/Goldman Sachs ! !!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
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. 

1

5 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

harvard collections claims i owe them {$2400.00}. i do not owe them any money at all. this is inaccurate and its is very unfair becuase it is damaging my credit report with wrong information. it is creating an issue for me to purchase a home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) Due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specificly, Cash App fsiled to take timely and effective measures to prevent and adress fraud on the thier platform, leaving my account vulnerable and unprotected. Their dispute resolution was unfair and deceptive. The didn't comply with error resolution requirments under Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries reported to XXXX XXXX - XXXX XXXX, XXXX 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
Product: Credit card or prepaid card

I am CITI Prestige card member ending XXXX. I used CITI Prestige card to book XXXX XXXX XXXX XXXX XXXX at XXXX UT, address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. I was staying at that hotel on XX/XX/XXXX to  XX/XX/XXXX, Confirmation number XXXX. I have disputed XXXX XXXX XXXX XXXX XXXX for XXXX $ room charge on my prestige card due to the hotel service is unexpected and unacceptable. The hotel room has bed bug and I and my partner got serious XXXX at the hotel. I have pics indicating the blood staining on the bed after the XXXX and the XXXX on my XXXX and XXXX as well as my partner, as well as doctor visit documents. I contacted the hotel but they refuse to admit the bed bug XXXX and refund my money. They do n't reply my email nor willing to solve the complaint, just ignore me. The customer service of the hotel is bad. The bed bug XXXX causes us serious XXXX and XXXX XXXX and XXXX and also, we need to spend lots of time cleaning our belongings and our room for preventing the bed bug from your hotel to my home. We also need to see the doctor and waste my time to work. The room is not as we expected when we book at XXXX XXXX XXXX XXXX XXXX website using Prestige card as it claimed the room will be clean without bedbug. That 's why I dispute the charge on Citi Prestige card for unacceptable and unexpected hotel service. I received a letter from CITI on XX/XX/XXXX, and ask me to provide evidence why I believe the service is not as expected. I have contacted CITI dispute department and provide evidence by email onXX/XX/XXXX. The CITI dispute department claimed this is due to the quality of service not as expected and they can not dispute the charge. However, this is not the case when I apply for the Prestige card. You have the option when I choose to online dispute as " service not as expected '' and claimed this card is best for the customer with travel in the hotel. However, based on the evidence I provided the hotel is dirty and with bedbugs, and the confirmation email from hotel stated the room and bed will be clean, which is definitely not as what it described. I checked the Prestige card instruction of dispute and in no place stated that you can not dispute charge based on the service received. Also, the letter I received from CITI asked me if I want to continue dispute and asked me to provide evidence why I believe the service is not as expected. That 's why I spend about 3 hr. to gather information and sent to CITI on XX/XX/XXXX. If  you can not dispute based on service not as expected why you asked me to send you evidence on my side? This is totally misleading and I am really unhappy with the outcome. I really hope CITI could help me in this case at your earliest convenience and refund the charge on my account. Thank you!
Product: Vehicle loan or lease

TitleMax 's AutoCash has not release lien, when I contact TitleMax they send me to AutoCash division and the person does not answer the phone.
Product: Debt collection

On XX/XX/XXXX I went to a XXXX office to get new phone service. The salesperson offered me a free phone along with the new service. I asked repeatedly whether the phone was really free. The salesperson emphasized the phone was and would be free. I accepted the person 's word and took the phone. Soon XXXX started billing me for the phone. I looked at my copy of the original invoice and after a careful reading realized the salesperson had switched invoices on me while I wasn't looking. The copy contained a phone sales statement I never agreed to. I called their customer service asking them to erase the debt and told them what happened. Their representative refused. On XX/XX/XXXX a debt collector notified me they were going to begin collecting the debt. A few days later I sent them a letter with proof of my situation, disputing the debt. Since they were contacting me as a representative of XXXX I assumed they would forward their copy of my dispute letter to XXXX. Again calls to XXXX were unsuccessful. I waited a long while, thinking that if there were further problems they would contact me. In XX/XX/XXXX my credit statement showed XXXX had listed this matter as a negative report with rating agencies. I called XXXX about this and only got a recording, telling me I had to contact the collection agency, Diversified Adjustments Service. I made several attempts to contact the agency and only got recordings with no information on how to contact the agency directly. Finally on XX/XX/XXXX I was able to contact the agency. I was told they had no information about my dispute. Apparently it was lost or never received. I had sent my message to the email address their collection letter had given me.
Product: Credit reporting or other personal consumer reports

On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. 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 reinvestigated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

On or about XXXX XXXX I started an online HELOC application with BMO Harris. I specifically told the Loan Officer, XXXX XXXX, that I had frozen my credit scores and that I would inform him if that changed. ( XXXX XXXX ). On XX/XX/XXXX XXXX emailed me that BMO Harris would need to pull credit within XXXX business days or that application would need to be cancelled. He called me on XX/XX/XXXX and said that he needed to know that information, ( I have retained a copy of the voicemail and email. ) I replied by phone that day that I wanted to withdraw my application. 
Without my authority or consent BMO Harris pulled my credit through XXXX & XXXX, the day before the phone call by XXXX XXXX. 
I never gave BMO Harris or XXXX XXXX the authority to pull my credit and he knew my position and that I withdrew my application. 

As a result, my credit score and my wife 's score suffered from having a " Hard Pull '' and I am demanding that BMO Harris find a way to have the credit inquiry removed from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent a medical bill to Trans Union before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( XXXX ) has received the original debt ( UNC Southern ). XXXX received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didn't receive an itemized bill from them. XXXX turned that medical debt into all three credit companies, Trans Union, XXXX and XXXX, on XX/XX/2022 that is XXXX months after they received the original debt. TransUnion and XXXX are the only ones reporting this. I've received out but getting no where. This is really affecting me cause I'm in the process of buying a home. I just want my time that by law I'm entitled to. Thanks
Product: Debt collection

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is [ Account Number ], and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 

I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

According to 15 usc 1681 ( a ) XXXX is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

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

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX  XXXX {$300.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$770.00} XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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.
Product: Credit card or prepaid card

18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's
Product: Credit card or prepaid card

I got an email that someone tried to open a credit card in my name at Bank of America and they wanted me to verify my email when I didn't do that. I got an email saying they were unable to process my application online. I also got another email saying I was enrolled in mobile banking, which I never did.