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

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX and I would claim this as income on my tax returns. XXXX   verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX I have reached out to this company several times to send proof of the accounts it claims I owe. They are reporting on my credit report nine time with duplicate and various account, that I have no record of. I haven't received a response even though I have sent multiple. They had thirty days to reply which they haven't, I have even disputed with all three bureaus. I have " No Contract '' nor have I signed any paperwork agreeing to pay any loans made or financed by this company.

They continue to report fraudulent information, I have read multiple threads online by millions of consumers who are also victim to this same company.

Something needs to be done, they can't prove a validity of the accounts owed, yet they are still able to report inaccurate information, that results in direct harm to consumers credit reports, in an attempt to forced consumers to pay them monies that they have no right to receive.

This company is a " Fraud '', but because they buy debts from multiple banks and finance companies, and they are publicly traded ; that doesn't make that the illegal practices they do valid.

I want immediate action taken, and all negative marks deleted from my report from this company. I would also like a written letter with the details of the removals sent to my by mail for my records.
Product: Mortgage

My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.
Product: Checking or savings account

My phone was taken and funds were sent from my Chime checking account to my XXXX account. Multiple transactions were made, 11 to be exact. Funds were then sent from XXXX to an unknown account, draining my account. All of these transactions were unauthorized.
Product: Checking or savings account

Using the U.S. Post Office, I mailed a check made payable to XXXX XXXX on XX/XX/22 for the amount of {$590.00}. The check was intercepted along the way and the check was altered to make it payable to : XXXX XXXX for the amount of {$990.00}. The fraudulant check was cashed at Navy FCU XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX. 
-- XXXX XXXX was contacted and a stop payment was placed on the check but it was too late to halt payment The incident was reported to XXXXXXXX XXXX in XXXX, XXXX, Claim # XXXX & they have not taken any action other than a cursory inquiry. They claim that it has been over 90 days and the Navy FCU has not responded to them. No further action will be taken by them. 
-- A police report was filed on XX/XX/22 for forgery/fraud with the XXXX XXXX Police Dept. XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX. Phone XXXX XXXXXXXX. 
-- The XXXX XXXX XXXX was notified on XX/XX/22 of the stolen check, the claim XXXX XXXXXXXX for their internal investigation. No results or follow up communicationce since then.
Product: Credit reporting or other personal consumer reports

I have contacted the creditor and they have failed to provide me with any validation and verification. Please see info below sent to consumer reporting agency since the creditor did not respond within 30 days Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove collections from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. i ent a dispute regarding this account and inquiries why it's still reporting in my report? please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company LVNV Funding LLC is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to prove ownership and validate the debt. I have yet to receive any information pertaining to my request.
Product: Consumer Loan

I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!
Product: Credit reporting or other personal consumer reports

my identity was stolen. fraud was committed in my name.
Product: Credit reporting or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 809 ( B ) regarding the validation of the below accounts which you show as validated and belonging to me and further updating on my credit file. I also see that inaccurate personal information still remains reporting inaccurately.

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with any parties. Please include all names and contact information of the person ( s ) that you spoke with as part of your investigation.

I would like to request that you please do not send me a template letter in response to this request as I am in the process of planning a legal case, so I need specific answers to the questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention in this matter. I very much look forward to getting this resolved as soon as possible. 
Addresses reporting inaccurate : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers reporting inaccurate : XXXX ; XXXX Accounts reporting inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any inquiries not associated with an account are inaccurate and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXXAccount Number : XXXX 15 U.S.C. 1681 in 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation.
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 Section 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 for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Product: Student loan

My name is XXXX XXXX and I am {$100000.00} in debt. 
My entire life I was told that I should go to college. I was told I would not get a good job without a degree. My dream was to go to XXXX and when I found XXXX XXXX XXXX I thought my dream had come true. The Financial Aid offices said I could go there as long as I took out loans. I was told that once I got my degree I would be able to pay them back based on my income and I would make enough to support myself and pay back my loans ; none of which are true. I began working full time to support myself and ended up needing to drop down to XXXX credits and spent a fifth year getting my degree. If I did n't work I would 've had to leave. My 2nd year-4th year I officially moved to XXXX, was paying New York taxes but I could not become a NY resident despite this and was still subject to out of state tuition which was significantly higher. I disputed this several times but as long as I was in college I was not a resident. 
To pay for school I took out {$76000.00} in private loans ( Citi bank- citi assist ) and approximately {$25000.00} in Federal to get my degree. I have been paying each loan on time for 4 years and I still owe more than I borrowed. My interest rates vary from 3 % to 10 %. A few years back I spent 1 month out of work and requested a temporary deferment on my loans. I knew I could resume in 30 days time and just needed a one month delay. Citibank sold XXXX of my loans to XXXX who then hiked my interest rate up to 10.875 % There is no end in sight for me. I will never own any property. I wo n't get married. I am stuck in an endless cycle refusing to default as my father was my cosigner. This is my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, has violated my rights. 

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
Product: Debt collection

I have never been notified or did I know about these medical bills. What do I do?
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dob : XX/XX/XXXX Ss # XX/XX/XXXX Dispute Under : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) ** I am writing to formally dispute an unauthorized credit inquiries that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe these inquiries were made without a permissible purpose and therefore request their removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed. 

Thank you for your prompt attention to this matter. I look forward to your swift response to ensure compliance with the FCRA and the accuracy of my credit information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

MY CHECKING ACCOUNT WITH TRUIST BANK WAS HIT WITH 6 OVERDRAFT PAYMENTS BASED ON AN ERROR THAT WAS MADE WHEN A POP UP SCREEN CAME UP ON MY ACCOUNT FOR PENDING PAYMENTS.TRUIST WAS THE ONE THAT ALLOWED THIS BILL PAYER TO POST PENDING PAYMENTS ON MY ACCOUNT. AND I NOT REALISING, I HAD AUTHORIZED SUCH TO HAPPEN. I ASKED TRUIST TO STOP THE GENERATING RECURRING ATTEMPTS AND THEY REFUSE TO, AS WELL AS TO REFUSE TO REVERSE ANY OF THE RETURNED ITEM FEES PAYMENTS THAT WAS CHARGED TO MY ACCOUNTS. EARLIER THIS YEAR WHEN SUNTRUST WAS CONVERTING TO TRUIST BANK THEY MADE A BIG ERROR ON MY ACCOUNT BY SENDING BACK PAYMENTS WHEN I HAD MORE THAN ENOUGH MONEY IN ACCOUNT, THEY LATER APOLOGIZED FOR THEIR ERROR AND I DID NOT REQUEST THAT THEY PAY ME FOR THE MONEY CHARGED BY MY BILL PAYER.TO HAVE CHARGES OF {$36.00} WITHIN 2 DAYS OF THE SAME AMOUNT IS UNFAIR AND HAS CAUSED MY OTHER LEGITIMATE PAYMENTS TO BEING RETURNED AND PLACING MY ACCOUNT IN OVERDRAFT.