23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed Individual Account Revolving Account CHARGE ACCOUNT Balance : {$170.00} Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$170.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Credence resource management has initiated a debt collection for {$1600.00} an att account i have never had attt and it has affected credit ratings etc. first thing i did was contact my id protections and froze credit agencies. How do i fix this? all my accounts are sending me alerts! Looking online this comapany has done this to many people going back years and yet they can continue? Where is the watch dogs to stop this?
Product: Money transfer, virtual currency, or money service

I was not able to log into my account as the Authenticator app did not work. Reached out to Robinhood couple of times ( had to stay on the phone and wait for more than 5-6 hours every day ) and they tried all methods to fix my login issue but couldnt fix it. So I asked them to transfer the account which has XXXX cash remaining to XXXX but the transfer never went through. How can I get my money back???
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that does not belong to me and I am not responsible for the account. The account is ( XXXX ). THE ACCOUNT IS REPORTING AS CLOSED AND IT DOES NOT BELONG TO ME.
Product: Checking or savings account

Respected Senators C.F.P.B IT IS SORRY TO COMMENT. SINCE XX/XX/2016 COME PLAYING WITH MY BANK ACCOUNTS BY PUTTING MY LOGIN. TD BANK HAS A COMPLOT AGAINST XXXX XXXX XXXX AND THE EXPERT CIBER PIRATES OF XXXX BULLYING WITH MY CHECKING ACCOUNTS ... EVERY DAY THAT I TRY TO CHECK MY ACCOUNT. I PUT TDBANK AND IT PAGE WAS CHANGED BY XXXX  XXXX ... XXXX XXXX. ( BULLYING TRAS BULLYING PLEASE NOTIFY TO THE BOTHS CEO OF TDBANK AND EMPLOYEE EXPERT IN XXXX XXXX XXXX. CEO MR. XXXX XXXX. 

BULLYING SINCE XX/XX/2016 TO PRESENT.XX/XX/XXXX NEW ADDRESS OF MR. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FLORIDA I HAVE THE NECESSITY TO LOGING TDBANK TO CHANGE MY ADDRESS BUT WAS DIFFICULT WITH IT'S FUNNY EMPLOYEE.
Product: Credit reporting or other personal consumer reports

XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, XXXX ). 
Consumer Portfolio Service failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : XXXX ) Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1618 Section 602 States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX XXXX XXXX I tried to transfer XXXX  USD to my XXXX  XXXX XXXX account. Then Marcus locked my account and they did not say why it is locked. Then they said that an instruction of affidavit will be sent to my mailing address within 10 business days. I have waited for 10 business days and still not yet received the instruction of affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fro any purpose.
Product: Student loan

My loans are calculated too high at the time at the moment I am currently {$35000.00} and more and that because of student loans I can't not get any personal loans 2 fix my credit to purchase a new car I currently do not get paid enough to make any kind of payments I think the the loan is this a lot of money. I want to know how to clear up my account back to zero without having to pay any monies if possible so that I can go and get a career
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently attempted to use my credit information. An inquiry showing up as XXXX showed up on my TransUnion today. I initiated a security freeze then attempted to call TransUnion to fix the problem. Firstly, the call center is in XXXX and I could barely understand the person I was talking to. Second, they wanted ME to contact the creditor, get a letter of validation, then mail it all to TransUnion for them to review. This process takes much longer than it needs to and is difficult to understand. I am being punished as a consumer by being forced to spend my valuable time to fix a problem that was created by a criminal. I am upset, confused, and I just want my information protected.
Product: Student loan

I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX
Product: Vehicle loan or lease

I had a car that I had to give up because of monetary issues.There were no payments ia arrears.I called the financier to come and pick up said vehicle.The car was sold and the remaining funds that were owed have been paid off.I want to know how to get my credit report cleared of this action as a " WRITE-OFF '' transaction! Please respond to this e-mail ASAP!!
Product: Debt collection

I formally complained through CFPB on XX/XX/XXXX about Portfolio Recovery Associates. 


PRA responded back with a proverbial slap in the face. 

I never asked for financial assistance and then they sent me a letter an obvious form letter about how they were sorry to hear about my financial hardship with an application for assistance of some sort. 

They rebuttled my formal complaint by saying they found no evidence of abusive tactics or anything. 
Yes. Of course PRA would not admit they did something wrong if they did something wrong. 

And I think its getting harder for companies like this to find out the most legal ways to still be nasty. 

I do not believe they took my initial complaint into any consideration whatsoever. 

Also, in their response via CFPB to my complaint, they said that they are sending a letter. in the future tense on XX/XX/XXXX that would mean PRA is contradicting themselves. 

If they say they are ceasing all communications on XX/XX/XXXX regarding a certain account then they should definitely cease and not, in a future tense send the letter. 

But they did. 

The letter was dated XX/XX/2023 They sent it before they said they would do so in a future tense. They could have wrote we sent you a letter. 

The envelope had no post mark and arrived at my mailing address in Tennessee on the XXXX of XXXX. so I am unsure as to when the letter was actually generated and sent. 

And why?? 
I never asked for financial assistance. 

This is not treating me with dignity or respect and PRA say they are definitely committed to treating people with dignity and respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and saw that i have a Collection account with the company XXXX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, XXXX XXXX Transunion XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that XXXX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against XXXX.
Product: Debt collection

I am off work on medical leave with no pay due to severe health issues and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX and Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there are inquiries that I don't recognize.
Product: Credit card

I had a purchase promotional balance of 0 % APR to open this account last year, and the promo was set to expire on the statement closing in XX/XX/XXXX. The statement closed on XX/XX/XXXX, with a balance of {$19000.00} and a payment due date of XX/XX/XXXX, but this due date was changed from the XXXX to the XXXX of the month ( i.e., XX/XX/XXXX ) which changed the next closing date to XX/XX/XXXX. To avoid interest fees, I made every effort to pay off the full statement balance on the due date after the expiration of the promotional balance by first payment of {$14000.00} of XX/XX/XXXX followed by another payment of {$4400.00} ( remaining statement balance ) planned for XX/XX/XXXX but due to weekend delays funds were not available until XX/XX/XXXX. When the statement closed on XX/XX/XXXX, I was charged an interest of {$250.00}, defeating the whole effort of paying off the full balance of XXXX. When I reached out to customer service explaining this issue and requesting for a one-time courtesy waiver of the interest charge since I paid the full statement balance, and I have always made my payments on time and never owed, I was disappointed by the response of the agent who obviously did not show any concern or courtesy to help. A one-time courtesy over interest charges is the least a financial company can do for a customer who actively used the card and has always made on time payments.
Product: Credit reporting or other personal consumer reports

The following Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C.
Product: Debt collection

XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. 

This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  LVNV FUNDING whic h is reporting negatively on my credit reports. LVNV is not bonded in the State of Texas to pursue collections. I entered the name and address on the  Secretary of State  website for debt collectors and was unsuccessful at locating a bond for this agency.
Product: Checking or savings account

on XXXX at the TD BANK XXXX XXXX XXXX XXXX, NY XXXX location, at XXXX, I made 3 cash deposits, 1- deposit of {$1000.00} record no. XXXX, 2-deposit of {$2000.00} record no. XXXX, for the second deposit the ATM only deposited {$1100.00} and returned me {$840.00}, I recount the {$840.00} in front of the ATM camera and redeposit the {$840.00} again for the 3rd deposit, the ATM asked me to manually write the amount deposited, so I did {$840.00}, record XXXX at XXXX XXXX the ATM receipt stated " force deposit '' we are unable to provide the details of your deposit at this time, application ID XXXX, I called on XXXX to file a claim at XXXX and the rep advised me to wait till the next business day, on XXXX at XXXXXXXX XXXX description phone # XXXX XXXX #, I called the spanish line to file a claim and the female rep was not helpful at all to help me submit the claim, on XXXX I called to re submit the claim and the rep was very helpful, my claim # is XXXX, I received a letter from TD BANK dated XXXX stating that TD BANK only deposited {$20.00} of my {$840.00}, I need somebody to help me with this issue, they`re cameras and only one ATM machine inside of that location, these transaction were made during working hours.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/XXXX 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 supposed 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. 
According to 15 USC 1681s-2 they are supposed 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 inaccuracy.
Product: Student loan

XXXX university is a hoax I do not feel I should be responsible for the charges being on public assistance.
Product: Debt collection

I receive a letter from XXXX XXXX XXXX XXXX stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent PayPal. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date. 
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY. 
I already calle

d Paypal and they don't know what I'm talking about. I logged in to Paypal for
um and there are many customers with this same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are INACCURATE accounts reporting from my report, I have already sent a proper documentation regarding these. Please see attached documents for these accounts I am complaining.