23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because Equifax is still reporting a collection account for XXXX XXXX and I have not received anything validating this account. I have tried to get this updated months ago and have had no response. The balance that is reporting on my report is not the same amount that I have with the original creditor, so I am confused as to where they are getting this information. Equifax is also in violation of HIPAA because this is sensitive medical information. No other credit bureau is reporting this inaccurate account. Please delete this account from my report.
Product: Debt collection

Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original debt.
Product: Debt collection

This is going to be my 3rd complaint with Portfolio. They continue to state they validated this debt, state they send validation notice but can not provide me with the copy of the notice they state that was sent on XX/XX/XXXX. I find it so strange how if they are so positive that this debt is mine and they have the right to owe it why do they refuse to send me anything but a summary of their account and bills statements. 

There is nothing at all that has been provided to me that shows that they bought this debt or a written agreement with the original creditor nothing. 

Bill statements being repeatedly sent for the same dates and they refuse to provide me with a bill of sale from the original creditor with them showing they have the right to claim this debt. 

Only info provided has been as follows Date opened with them XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$1600.00} Bill statement due date XX/XX/XXXX with balance of {$2000.00} Bill statement due date XX/XX/XXXX with balance of {$2100.00} Bill statement due date XX/XX/XXXX with balance of {$2300.00} Where is he bills statements from XX/XX/XXXX - XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$3000.00} Bill statement due date XX/XX/XXXX with balance of {$3100.00} I find it very hard to believe that they can not produce the original validation notice or the bill of sale to show me they really owe this debt. 

I find it hard to believe they do not have my date of first delinquency or the bill showing the charge off. 

Portfolio has made every attempt to ignore every attempt I have made to get the information needed to determine if this is mines, if the balance is real and if they have any rights to this debt.
Product: Money transfer, virtual currency, or money service

1. I used PayPal to make a purchase fr om  XXXX   XXXX .    2.   XXXX   XXXX  placed a {$1.00} hold on my checking account through PayPal for the purchase.    3.  PayPal actually debited my checking account for {$1.00} instead of placing the hold.   4. I complained to PayPal.    5.  PayPal said they would refund the {$1.00}.   6. PayPal changed their minds and refused to refund me the {$1.00}.   7. PayPal has also cancelled my billing agreement with  XXXX   XXXX , denying me from using PayPal when making  XXXX   XXXX  purchases.    8.  See the attached complete file I have attached on this matter for all details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXXXXXX XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit card

On XX/XX/XXXXXXXX  I received a letter informing me my Discover Card which I had since XXXX has been closed. I have never been late or had any issue regarding this card. The letter asks me to call if I disagree with the letter closing my account. I called and the agent claimed since the account is closed, she is unable to see the date the card was lasr used. I was transferred to a manager who claimed a letter was mailed to me in XX/XX/XXXX to advise me the account will be closed unless I use it by a specific dare. 
I have never received that letter, otherwise I wont be dealing with trying to have this XXXX XXXX XXXX account reactivated. We are in XXXX and Discover could have emailed or sent mea text of the potential problem. My address, phone number and email address havent changed in many years. 
This action by Discover is unfair and negatively affect my credit rating as a result of closing an old account ( 11 years ) without fair notice. 

I request reactivating my account and that Discover stop this harmful behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraudulent Accounts Request for Immediate Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the accounts listed under my name and Social Security number with LVNV Funding LLC. These accounts were opened fraudulently without my authorization, and I request that they be immediately removed from my credit report. 

I have never applied for, opened, or authorized any accounts with CXXXX XXXX XXXX XXXX XXXX XXXXXXXX! XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and I demand that you : XXXX. Immediately cease all collection efforts related to these fraudulent accounts. 
XXXX. Provide me with all documentation related to these accounts, including any signed agreements, account statements, and any evidence linking me to the debt. 
XXXX. Remove these accounts from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Provide written confirmation that these accounts have been deleted from my credit report. 

If you continue to report these fraudulent accounts without definitive proof that I authorized them, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I expect a written response confirming the removal of these fraudulent accounts. If I do not receive a satisfactory resolution within 30 days, I will take further legal action to protect my credit and rights. 

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

Dear Experian, I am writing to inform you that I am a victim of the data breach that occurred as a result of the security incident involving your company. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts related to my personal information be blocked and deleted from your records to protect me from potential harm or fraud.
Product: Checking or savings account

PNC refused to close my account several times and refused to refund me my late fees despite their being responsible. And they lied about closing my previous complaint.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Also Known As : XXXXXXXX XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I signed up for a credit card through Wells Fargo, who I have been a long term member. Well. I have noticed that I have been charged around XXXX dollars per month again because approximately 5 years ago, I called XXXX XXXX and have talked to my local bank who tell me that I must contact XXXX XXXX myself as XXXX XXXX is a third party member not affiliated with the bank. they said at that time they will canceled but they added to my account again, because I never ask for that type of services, let me know if there is any way I can get refund for all this years they are been taking money from my account.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Transunion for Violating Consumer Rights To Whom It XXXX Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX  XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXX XXXX  's disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of XXXX. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX  for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent funds on a few occasions to the wrong recipient. When I contacted Zelle to get the funds returned to me, the company said it was nothing they could do. I was sending my rent money to a recipient. The warning message never came on my screen to verify who exactly I was sending the funds to.
Product: Debt collection

This company XXXX never contacted me about a debt from Affirm IncXXXX under the account XXXX for the amount of {$330.00}. 

As of XX/XX/XXXX, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of Affirm Inc . 

I have never signed an agreement for my information to be shared or sold to XXXX, nor do I have a contract nor have I ever signed a contract with Affirm or XXXX. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to Affirm Inc and XXXX. This must be written, original documentation, not electronic forms or scans. Again note that this account with Affirm Inc has already been disputed on several occasions in regards to it being a result of identity theft. My information was leaked as part of the XXXX XXXX in XXXX. ( see attached documents ) In XXXX of XXXX my information was found to have been leaked online, which would be a result of the breach with XXXX. ( see attached documents ) This leak included and not limited to my name, address, email, phone number, ssn, dob. 

I have filed multiple disputes and complaints to CFPB, XXXX, FTC and Attorney General Office. 

Because of the constant lack of care and responsibility on all parties, I am requesting XXXX cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request Affirm Inc and XXXX cease and desist all attempts to collect this debt further. Please advise Affirm Inc to cease and desist reporting this charge off to the credit reporting agency XXXX. 

Thank you for your time and attention to this matter.
Product: Debt collection

My identity has been compromised. Several accounts were opened under my name without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax over the past three month disputing my hard inquiries that are listed on my credit report. They are unable to provide me with the source who reported it. The agencies who are listed have no knowledge of them pulling a hard inquiries on me. 

Inquiry details XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These items need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any future correspondences from this day forward is coming from me. 

Report XXXX : XXXX Last XXXX of SS # XXXX On XX/XX/XXXX, your company was sent proof of identity, a copy of an identity theft report, a list of items that have been determined to be due to identity theft and a statement by me, the consumer that the information is not information relating to any transaction by the consumer. This information was sent through the CFPB and will be re-attached to this complaint. According to 15 USC 1681c 2 ( a ) ; a consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt. 
Your company is in violation of this law among others. It is XX/XX/XXXX ; now 15 days past the time allotted by law. The law says block the information, not place the information in dispute. 

15 USC 1681n will remind you of the civil liability for willful noncompliance as pertains to federal law.

Please rectify this situation by removing and blocking the information identified as identity theft asap. Or further action will be taken. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me
Product: Debt collection

SYNERPRISE is claiming that I owe them {$410.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I filed a dispute on my XXXX account due to inaccurate and inconsistent reporting of balance history, payment dates, and repossession status. Experian failed to follow up adequately on the investigation and did not correct or remove the errors. 

I was recently notified that the CFPB filed a lawsuit against Experian, alleging that the company accepts unreliable information from creditors and fails to notify consumers of dispute results. This directly aligns with my situation, where Experian has not verified, corrected, or removed the inaccurate information on my report.

I am requesting that this derogatory remark be removed or corrected immediately as it is negatively affecting my chances of obtaining a home, vehicle, and other financing opportunities. Experians actions ( or inactions ) violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and federal laws.
Product: Credit reporting or other personal consumer reports

upon disputing with experian, XXXX, XXXX i let them know address on my account/reports are inaccurate or outdated they refused removal after two disputes.
Product: Mortgage

I requested PMI removal. I paid the appraisal fee as requested and my appraisal was completed on XX/XX/XXXX. I reached out to NewRez to request they remove PMI and asked approximately how long it would take to receive a response. I was told I would get a letter in the mail within 30 days of XX/XX/XXXX. I reached out 45 days later, on XXXX. When I reached out I was told the agent I spoke with on the week of XX/XX/XXXX did not request removal so there was no action on my account. I was also told I would not be reimbursed for any PMI payments that I made that were a result of this error. They told me my PMI would not be removed until XX/XX/XXXX. NewRez 's phone lines are also messed up because you can't get through to the PMI/insurance department through the menu- it will always redirect you to the start. I submitted a complaint about both items and was told the issue was resolved but it was not.
Product: Vehicle loan or lease

After major accident the vehicle I was financing I chose to have it voluntarily repossessed. Kia Finance sold the car and charged off the remaining balance on my account. Now Im have a {$17000.00} balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received {$100.00} into my PayPal account from a 3rd Party and per the application was told I could make a cash withdrawal through XXXX. I went through the requested steps which gave me 1 hr to withdraw with a code on the app. That expired as I entered the store so I got in line and then received another code. I went through the steps with the cashier but my {$48.00} withdrawal request was rejected three times even while on the phone for 30 minutes with customer service and then a specialist who suggested they were have Ng issues with withdrawal at XXXX I just do a transfer to my bank account. I told her the issue was timing and that I needed the funds that evening. The PayPal rep then assured me it would post within the half hour and that she would expedite it to make sure. I did as requested and received a message from the system that my withdrawal would be held for 24 hours due to suspicious activity. I immediately called back and was basically told by a different customer service rep and specialist too bad, nothing we can do, and she  shouldnt have told you that. In addition to the frustration of following the instructions to no avail, I dont appreciate people holding my funds and lying to me