23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I contacted Portfolio Recovery Associates LLC Via-mail and requested the following in which they responded with just a few copies of the last billing statements that didn't add up to the Balance amount owed and copy of XXXX XXXX XXXX contract agreement with no signatures written or digital indicated on contract agreement, and a copy of the same bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. 

GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses, Defendant denies.

each and every allegation of Debt Collectors original debt claims, and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. 
XXXX. 
AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset.

3. contract is illegal, and therefore, unenforceable 4. Duress in Contract I therefore I demand that the debt collector provide me with the following Documents below for complete validation of the said debt : 1. Provide Name and address of original creditor along with verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Please provide a copy of the written agreement that created my original requirement to pay.

2. A copy of the all-billing statements sent to me by the original creditor since the beginning of the credit card contract agreement.

3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing all the dates and amount of each charge added to the total amount that created the full balance amount claimed due. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

4. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

5. Identify the date of the first and last payment made on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and my personal and financial information has been compromised. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

I recently acquired my credit report and identified some discrepancies. 
Kindly investigate this account and provide the findings by mail. Online resources suggest this should be resolved within 30 days, so I expect your response within that timeframe. 

I would greatly appreciate it if you could promptly update this account in the report. Failure to comply with this request should result in immediate action to rectify the account. It's crucial to verify any errors, including this item/account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX DEPT OF EDU 3.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong 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  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY  CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues. 

1. Unknown address listed under my previous addresses : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ive never lived in VA. Do not know whose address this belongs to. Please remove from my report. 

2. Report is still showing XXXX XXXX as my current employer, however I have been at XXXX XXXX  XXXX, XXXX since 2014. Please correct. 

I have attached screenshots of the issues on my report. 

Thanks, XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX XXXX XXXX  ; XXXX, Fortiva Credit Card Company has purposely made false statements while purposely misleading it's customers into making payments with the false information that they will provide an additional monetary credit with their payments.

As you can see in my Attachment of their email to me offering a monetary incentive for making a payment, that they have XXXX intentions to honor. They actually purposely lie to and deceive their customers with this smoke and mirrors horse and pony deception.

I was told I needed to follow certain guidelines to get this, As I carefully did. When I filed their guidelines it took me to their App to make the payment. I never received their incentive, as this is purposely done to just take/steal from us.

They need to be held accountable not for just deceiving us but for breaking laws in this purposeful disgusting deception.
Product: Debt collection

FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, XXXX   TRANSUNION ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the prolonged delay in the removal of fraudulent items from my credit report, despite multiple attempts to address this issue. The presence of these fraudulent entries continues to unjustly impact my creditworthiness and financial standing, necessitating urgent action from your agency. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit report. Each time, I have provided substantial evidence and documentation to support my claims, including affidavits, police reports, and any other relevant information. Despite my persistent efforts, the fraudulent items persist, causing significant distress and frustration. 

The prolonged presence of these fraudulent items has had severe repercussions on my financial well-being. It has unfairly tarnished my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, it has caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

Given the multiple attempts made to address this issue, I urge your agency to prioritize the swift removal of the fraudulent items from my credit report. Specifically, I request that : The fraudulent items be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar occurrences in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX. I got out of a very abusive marriage, including financial abuse. Part of that abuse was my ex husband opening credit lines in my name without my consent, then not paying the bills. I was unaware of this until I left him because he controlled the mail and money. Most of this has been taken care of, but there is one line of credit still on my credit report, originally from XXXX XXXX originally for {$6800.00} in XXXX of 2021, and sold of to XXXX XXXX XXXX. The balance is now {$7100.00}. I have filed a police report on all XXXX fraudulent lines of credit and the XXXX XXXX XXXX XXXX XXXX is investigating my ex for identity theft and fraud. 

I have relayed all of this to XXXX XXXX and sent them all the documentation they required showing this is fraud. I also sent them the police report, which specifically names this loan as fraud. Since then, I haven't heard a peep out of them. They will not return any contact, and their threats of legal action evaporated. However, this ding is still on my credit, negatively impacting it. The only response I have received since sending them the police report back in XXXX is today I received a generic " call customer service '' email. Other than that, nothing.
Product: Mortgage

At time of closing the mortgage broker said, since rates are so low ( XXXX % ) you could save your down payment, it would require PMI monthly fee, but once your below that 80 % mark the PMI would be removed with a phone call. 

Now the mortgage company is stating that they have the right to access my home and do a complete inspection before which could cost as much as {$500.00} in fees and services. They flat out lied, direct to my face! They lied so that I would pick them over other company offering a lower rate and stating that the other companies would be harder to work with. 

My mortgage company has been a disappointment on so many occasion now. This has been the last straw ; its " time to address this issue.
Product: Checking or savings account

On XX/XX/XXXX a foreign check was cashed in my account. The check was not endorsed with my signature nor was it endorsed at all. The only way someone can cash a check into their account inside a branch is with a valid ID. Therefore, the check was cashed into the ATM machine at the bank. The bank returned the check and when I actually came into the branch to make a deposit I was informed that my account was overdrawn and closed due to the suspicious activity on my account regarding that check. I made a payment on my account for {$30.00} in XXXX and was told once I made the full payment my account would be reinstated, after learning I was a victim of fraud. I paid the rest of the outstanding balance this year ( XXXX ) and was given a receipt for the transaction. I also provided documentation related to being a victim of fraud in this matter. The documentation I provided is in regards to a very serious matter and it is included that I was also a victim of fraud regarding my bank accounts being compromised. All supporting documents from several XXXX county legal team departments were provided along with the name of the person responsible. I have made several complaints to the bank regarding this matter because they are not doing a thorough investigation on this case that they claim. Provide video footage of the exact date and time the check was cashed at the ATM to show proof of who is responsible for cashing that check. This is a MANDATORY request. Footage MUST be obtained in order to close this case and be resolved, as the camera footage is the MAIN piece that will HELP solve this matter. Thank you.
Product: Vehicle loan or lease

We traded in the vehicle financed through TD, after the trade in we ended our service contracts. The check for the canceled plans were sent to TD auto finance on the XXXX of XXXX and show deposited but they claim they never got said money and refuse to give us our check.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX XXXX XX/XX/22 RE. We have disputed this account.
Product: Student loan

I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.