23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates acquired a credit card debt I owed to XXXX XXXX XXXX in the amount of {$2300.00}. I hired the services of XXXX XXXX XXXX to help me with my credit card debt. XXXX XXXX reached a settlement agreement with the XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/2019, who represented Portfolio Recovery Associates. The agreement required me to pay Portfolio Recovery Associates the amount of {$1600.00} to settle the debt by XX/XX/2019. XXXX XXXX XXXX, submitted the payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, as per the terms of the agreement. On XX/XX/2019, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued the XXXX Balance Letter after receipt of payment of the settled amount. Nevertheless, and despite the amount being settled and paid as agreed, Portfolio Recovery Associates has continued reporting to the credit bureaus that I have a pending balance of {$740.00}. I attempted to resolve the issue with Portfolio Recovery Associates over the phone and was told that I had to pay the remaining balance regardless of the settlement agreement. I have filed disputes with ALL 3 credit bureaus to no avail. This is now an issue because I am applying to practice law in the State of Florida and this inaccurate report on my credit is affecting my licensing process negatively. Furthermore, Portfolio Recovery Associates has misreported this debt for almost a year which has also affected my ability to secure credit for other purposes. Their predatory tactics and unscrupulous business practices make it impossible for clients like me to resolve their issues, and when attempting to discuss the issue with them, they are rude and disrespectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX dollar loan was acquired on approximately XX/XX/2022 using my personal or business information without my acknowledgment or consent. The company that issued this loan is XXXX XXXX. I am taking a legal stance against this as well as disputing this fraudulent loan with the credit bureaus. This company is now making an attempt to freeze my business and personal accounts. Without proof of acceptance of any financial transactions on my end.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

In response to my last 3 complaints XXXX, XXXX, XXXX, Experian responded Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request So I am asking now, what proof of Identification does Experian need to take action per my request? And take in consideration that I am homeless at this time so a utility bill is not a option unless they want an outdated one, and I do not want direct contact with Experian, I want everything going thru CFPB because Experian have proven they are not willing to be fair or impartial in their investigation. I have stated numerous times that I XXXX XXXX is initiating this complaint and no one else is doing this on my behalf.
Product: Credit reporting

I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.
Product: Debt collection

Subject : Complaint Regarding Illegal Repossession by Credit Acceptance Corporation Dear CFPB, I am writing to formally file a complaint against Credit Acceptance Corporation ( CAC ) regarding an illegal repossession of my vehicle that occurred on XX/XX/year>. The repossession was conducted in direct violation of the law and in breach of peace. Below are the details of the incident : Illegal Entry and Trespassing : The repossession agents unlawfully entered private property where signs are posted by the district attorney stating, " THIS PROPERTY IS FOR RESIDENTS AND THEIR GUESTS ONLY '' as part of the Anti-Trespass Program. The signs also indicate that all towing should be handled by XXXX XXXX XXXX, which implies a contract with the property owner. Credit Acceptance Corporation had no authorization to be on this property. 

Breach of Peace : During the repossession, the agents used threats and profanity. They employed physical force by having men stand guard in a separate vehicle, which further contributed to a hostile and intimidating environment. 

Unlawful Repossession : Despite my explicit refusal to allow the repossession and my visible distress, the agents proceeded with the repossession. My boyfriend attempted to retrieve our property from the vehicle, but the driver of the tow truck cursed at him, threatened him, and forcibly continued the repossession, dragging and damaging the car in the process. 

Damage and Intimidation : The driver of the tow truck continued to drive despite my boyfriend 's attempts to negotiate and retrieve our belongings. This reckless behavior caused significant damage to our vehicle and heightened our distress. 

Right of Rescission Notice : On XX/XX/year>, I sent Credit Acceptance Corporation a notarized right of rescission notice based on fraud. I also have a certified copy of a UCC 11 search confirming that Credit Acceptance Corporation does not have any lien on my vehicle. This confirms that the vehicle is my private property, and the repossession constitutes auto theft. 

Video Evidence and Police Report : I have video footage of the towing and the damage caused to my vehicle. Additionally, the footage includes interactions with the police, who stated that my car was, in fact, stolen. I have also filed a police report documenting the incident. 

This conduct not only violates state laws regarding repossession but also breaches the peace and safety of residents. I request that your office investigate this matter and take appropriate action against Credit Acceptance Corporation to address these unlawful practices and ensure such incidents do not recur. 

Please feel free to contact me if you require any further information or documentation related to this complaint. I appreciate your prompt attention to this serious matter.
Product: Mortgage

Freedom Mortgage has emailed, called, and texted me to try to solicit their mortgage services to get me to refinance. I have requested multiple times that they stop contacting me as I am not interested however they continue to contact me. I want to be permanently removed from their contact list.
Product: Debt collection

On XX/XX/20 i checked my credit report and saw a debt that i have no knowledge of.Hunter Warfield is trying to collect a debt that i never signed a contract with them nor have i entered into any written verbal or electronic agreements with.
Product: Checking or savings account

I requested early termination of a CD with Citibank so that I could use funds to cover a down payment on a home. Citi told me that to wire funds to the down payment bank, I would need to close the Citi CD, pay the ( over {$500.00} ) penalty, and roll the funds into a new citi savings account before I could wire from the new Citi savings acct to my down payment bank. They told me it would be no problem to wire the funds from the new savings account to the down payment bank. So, I paid the penalty and the funds rolled in to citi savings. Over the next week I have experienced multiple roadblocks to wiring my money out of the account. XXXX  they said I needed a debit card associated with the account and I had to wait for them to mail a card. Next, I couldnt wire the funds because I didnt have a PIN and had to spend hours on the phone with them setting up a pin. Next I couldnt wire the funds because they had placed a security hold on the account and the security department is gone for the day, call back tomorrow. I have yet to get access to my funds and have had to take other costly steps to fund my down payment. If I had known that citi would be so incompetent and/or purposefully slow in giving me access to my own money I would not have redeemed the CD and paid the huge penalty. This seems like a bait and switch, where citi collects their penalty and then holds on to my money as long as possible. Please help me access my own money and get a refund of the CD cancellation penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX T XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX Medical XXXX Balance : {$130.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; 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 XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi A hard inquiry is placed on my credit file by a SANTANDER CONSUMER USA INC Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX on XX/XX/2023 I never apply with this company for anything or with any other company at this date, i called the company asking why they submitted the inquiry they say they can not help me without account number, I don't have account number with them because I don't know who they are i try to call XXXX to dispute this inquiry they refused.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understand that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw fraudulent accounts reporting. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XX/XX/2023 XXXX. XXXX - XX/XX/2023 Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX - Please Delete Immediately. 
EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX # XXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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: Mortgage

BB & T XXXX XXXX and XXXX XXXX sent my husband and my personal information to the wrong email address. The person that received the information originally responded to let them know they were sending it to the wrong email and instead of making me aware and/or fixing the problem, they continued to do it XXXX more times over a several week time span, until the person finally reached out to me to make me aware of what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.
Product: Debt collection

Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.
Product: Debt collection

I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. 
The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

After filing my initial complaint TitleMax has failed to provide the requested documentation, since then I have been in touch with TitleMax legal team I have sent in a XXXX from the state that dictates there is NO lien on my vehicle ( XXXX XXXX XXXX XXXX  ) TitleMax legal team responded with a lien generated from a online 3rd party XXXX XXXX XXXX I then contacted this company to learn more about their process and they generate electronic liens but these type of liens do not hold up to legal measures and that is why no lien is being shown through the state, after presenting this information to TitleMax legal team they advised me that they do not know why no lien is coming up and refuse to provide a release form for my vehicle that they are illegally holding, I have spoken with corporate TitleMax over this matter who then 3 way called my local TitleMax store ( XXXX Titlemax ) and to my surprise the Manager XXXX advised he lost all communication ( emails ) he had regarding my vehicle with legal team he then proceeded to hang up mid conversation on me and corporate TitleMax ( these calls are recorded ) since I have had a terrible experience with this manager I then decided to file a complaint against him and spoke with the DDO for XXXX TitleMax, since this conversation I have requested documentation and information from legal as to which they have not responded and removed my account from legal status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX  ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also  varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX  and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.
Product: Credit reporting or other personal consumer reports

My partner and I are trying to buy a home. In this process, banks need to check my credit report. 

My credit is frozen, by my own doing, two years ago. As I enter their website to unfreeze my account- with the correct username, password, SSN verification, everything - I get into the account, but can not proceed to a home screen. 

Experian has several support numbers listed on their website - but not a single one gives me a real human to get support. All of the programmed support lines only have a few narrow areas of support, and always hang up on me prior to assistance. 

Experian has a tangibly BROKEN login and account support process. Because of this, and given the fact that they are a gatekeeper to home ownership, I am being financially harmed due to their lack of support.
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 correct : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX Balance Owed : {$330.00} DEPTEDXXXX XXXX Balance Owed : {$3500.00} DEPTEDXXXX XXXX Balance Owed : {$1400.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$910.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$8000.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 XXXXXX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX