23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted b y Hunter Warfield rega rding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

We have just been scammed out of {$23000.00}. It was an extremely complex Phishing scam. I am a XXXX XXXX  with over 40 years dealing with PCs / Computers and a XXXX XXXX. The timing of the philshing email and the topic of the email was proper. The name and logos were exact. Everything seemed proper. Once we realized it was a scam, It seemed to me to be too coincidental for a blind phishing email. I started digging. 

On XXXX XXXX, I finally figured out how it was done. XXXX XXXX has a FEATURE that I did not even realize was present. It is an autoforward feature. 

Somehow, ( still trying to it figure out how this was done ) someone, without our knowledge, put an email address in that field. The result was that all emails sent out of my wifes email account were automatically copied to that email address. We had absolutely no idea that this was happening. It is a really big security exposure if you somehow got your email hacked and did not know that someone added that email address to the autoforward field. The name that somehow was put into the XXXX field was XXXX. We have no ideal how it got there or how long it has been monitoring our outgoing emails. 

What happened to us is that our travel agent sent us a notice that our final payment for an upcoming trip was due. We responded back to our agent asking what we needed to pay the agency. They replied ( these were all valid emails ). We got a email day or so later asking use to hold of on the payment and asking for us to acknowledge the receipt of the email. ( This was the first Phishing email ). We then receive an email telling us that there was a change in the payment method and we should use a wire transfer. ( Phlishing Email again ). Wire transfers were unusual but we though it was a reasonable request from our trusted travel agency. All emails logos, names, and the timing seemed proper. so we fell for it. 

I have filed a police report with the XXXX XXXX Police department initially before I found the XXXX email. I informed them today of the autoforward feature Also filed an FBI report since it was a major amount of money ( not just a few hundred dollars or even a few thousand dollars ). 

The wire transfer was made from our bank " XXXX XXXX '' of XXXX, MN. It was transferred to Capital One. Our bank told us they contacted Capital Oneand we were told that there was nothing they could do since was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX  with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.
Product: Credit card

Hi! I recently checked my credit statement and saw a hard inquiry by JPMCB XXXX. I never applied and I'm unsure if an account was open. I am sure this is fraudulent activity, as I requested a fraud alert to be placed on my account because someone accessed my information prior to this incident to do taxes under my name. Please remove the inquiry and account.
Product: Debt collection

I am writing to address the inaccurate reporting of balances on the following accounts in my consumer file. Also, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, regarding the bankruptcy XXXX XXXX XXXX Reference : XXXX, the reported information is inaccurate
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
NAVY FCU XXXXXXXX
Product: Debt collection

This is the first complaint against Portfolio Recovery Associates reporting an alleged collection account against me on my credit. I am requesting debt verification, the Bill of Sale and assignment document reflecting the transfer to Portfolio Recovery Associates. In the future if this matter becomes a legal matter, I will be requesting the original Purchase Agreement bearing my signature to this alleged debt. I looked up Portfolio Recovery Associates on the XXXX and can't find any Collection Agency License for the State of Minnesota. I have submitted a copt of my findings for the CFPB, Attorney General 's Office and BBB to take a look at. Portfolio Recovery Associates isn't licensed anywhere from where I can see to conduct business collecting in the XXXX of Minnesota. It is my point of view that violations against the Fair Debt Collection Practices Act have been committed. If Portfolio Recovery Associates doesn't want to pay monetary violations, I'm requesting this be immediately removed from my credit. This is my final attempt to clear this matter up before legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuinions process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. 

It states in 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I send several times my dispute letter thru the XXXX credit bureaus XXXX equifax and XXXX  but they still refused my letters. I STILL SEE ALL THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. The bureaus says I'M NOT THE ONE WHO SEND OUT MY DISPUTE WHICH IS WRONG. i'm the one who send it out. please delete all thee accounts an inquiries Thank you open late payment 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

Dispute Letter, Debt Validation Request & Immediate Update Request XXXX XXXX : Account # XXXX 2023 XXXX XXXX XXXX  XXXX : Account : XXXX XXXX  XXXX : Account : XXXX XXXX  XXXX : Account : XXXX BMW : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the COVID-19 pandemic. Under the CARES Act, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances.

Dispute of Balance & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the CARES Act or the potential assistance I may have been entitled to during the COVID-19 period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame.

Request for Form 1099-C If this debt has been canceled or discharged, I request that you provide me with a copy of IRS Form 1099-C for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt.

Debt Validation Request Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Validation of the debt, including the original agreement establishing this account.

2. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I made 2 payments of XXXX and XXXX. I was only due an amount of {$35.00}. Later that same day all of my credit cards were stolen by a student. I call all the companies to have the accounts closed and be issued new cards. XXXX told me I needed to send in proof of new address in order to receive the new card. I have since sent in the information 3 times and have yet to receive my card. I called in early XXXX to inquire about making my XXXX payment towards my account and was told by the representative to hold off until I receive the new card. On XX/XX/XXXX I received notice from the credit bureaus that my score had dropped XXXX points for a late payment. I called and spoke to another rep and he told me he could see on the screen where the other rep told me to withhold payment and we disputed the charge only to be neglected. Neglected because i was never told that the 2 payments of {$190.00} were returned back in XXXX. Returned because they waited over a week to seek the payment. Ok I tried my best to get them to retract the 30 days late to no avail. I make a payment of {$70.00} to cover XXXX 's missed payment and my XXXX payment. So now its XXXX and it says no payment due. I have screen shots. So im trying yo get my credit score in order so I pay {$55.00} on XX/XX/XXXX which brings my account under 50 %. I receive notice today from trans union that my score decreased. Its from XXXX. The payment in the XXXX was counted as 8 days late even though my account says no payment due. I thought payments had to be past 30 days to be reported. I called 2 times today. One told me she couldnt hear. The second gave a bunch of information that made nothing clearer and the 3rd hung up on me. Im now XXXX points down on my credit score and would like for the company to fo the right thing and correct my credit report.
Product: Debt collection

Radiology Bill CXXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, XXXX, IN XXXX Radiology and XXXX  XXXX  ( XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX called XXXX  and advised this bill was paid by personal check. Provided the check # XXXX, date mailed XX/XX/XXXX and date the check was cashed XX/XX/XXXX in the amount of {$280.00} by med-payment.com. Was told they would look into the issue. 

XX/XX/XXXX XXXX advised my complaint was received an escalation team XXXX advised they need a copy of the front and back of my check. I told XXXX that my bank can not provide me with this as the facility that billed me ( Radiology and XXXX XXXX  at XXXX XXXX XXXX ) processed my check electronically. I provided proof of payment by way of a bank statement showing check # XXXX was cashed by check med-payment.com on XX/XX/XXXX in the amount of {$280.00}. 

XX/XX/XXXX I emailed a complaint letter disputing the debt with proof of payment to XXXX. 
XX/XX/XXXX I called XXXX  and they said my claim is still being reviewed XX/XX/XXXX I mailed my complaint to XXXX with proof of payment XX/XX/XXXX received a voice mail and an email from RI supervisor XXXX XXXX saying they need a copy of the font and back of my check. 
XX/XX/XXXX I responded by re-iterating all of the above XX/XX/XXXX received a call from XXXX at XXXX  asking for copy of front and back of check. Again advised the same thing as above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : US DEPT ED XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}
Product: Debt collection

Between  XXXX   XXXX ,  2017  and  XXXX   XXXX  a collection was added to my account with no written notice that this account would be added.     Per law  15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone most had got my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my XXXX rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.
Product: Credit reporting or other personal consumer reports

collection company reporting negative account on my report : XXXX XXXX XXXX. 
AMOUNT SHOWING {$2600.00}. DATE : XX/XX/year> XXXX # XXXX i REACHED OUT TO THE COLLECTION COMPANY AND THEY HUNG UP THE PHONE MULTIPLE TIMES.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and
Product: Credit reporting, credit repair services, or other personal consumer reports

Carvana XX/XX/2021 This is a hard inquiry and I already have one from another time I had already had my credit ran and signed the contract in XX/XX/2021 anything after that is wrong and shouldnt be shown on my hard inquiries because I had already had my car
Product: Mortgage

Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to transfer {$900.00} to pay my rent via Venmo. I have done this on the first of the month for each of the last 10 months. On this particular payment, I received an error message saying that " there was an issue with your transaction. Try again later. '' I tried XXXX more times on XXXX and XXXX, each time getting the same message. I contacted Venmo for assistance and received the following response : " I can assure you that there is no issue with your Venmo account, and your account is in good standing. However, to protect your account and prevent any unauthorized transactions, we have implemented various security measures that may occasionally result in legitimate transactions being declined. '' They also said : " Lets try changing your payment method to a different bank or debit or credit card, then send the payment again after some time. '' I do NOT have another bank to make this payment ( most people only have one bank ), and Venmo charges 3 % fees on debit and credit card payments ( in my case, an extra {$27.00}. ) When I complained to them about this, I got this response : " I've rechecked your Venmo account, and I can confirm that your Venmo account and bank is perfectly fine. Our security measures might play the occasional prank and decline legit transactions to keep you safe. '' I had to overnight a check to my landlord to pay my rent, and they are calling it a " prank. ''
Product: Mortgage

In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
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After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
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Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
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Due to this, they have also increased my APR to 7 % and increased my monthly payments.
Product: Credit reporting or other personal consumer reports

This was escalated several times and this company has egregiously dispite my attempts have continued to communicate with the credit bureaus and did not delete the information. Therefore i will proceed with my next step after this for remedy if nothing happens against all parties