23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY ASSCOIATES, LLC ( PRA LLC ) DID NOT VALIDATE OR PROVIDE PROOF OF OWNERSHIP OF SAID DEBT.AS PER FAIR DEBT COLLECTION PARACTICE ACT, SECTION 809 ( b ), THEY DID NOT PROVIDED THE REQUESTED PROOF OFTHE FOLLOWING ( PLEASE SEE ATTACHED DISPUTE LETTER AND PROOF OF CERTIFIED MAIL ) : 1. PROOF THAT I ACTUALLY OWNED THE DEBT 2. STATEMENT FROM ORIGINAL CREDITOR PROVIDING THE AMOUNT AND COMPLET PAYMENT HISTORY. 3. COPY OF SIGNED LOAN AGREEMENT AND/OR CREDIT CARD APLICATION/CONTACT 4. COPY OF CANCELLED CHECK FROM ME TO THE ORIGINAL CREDITOR PRA LLC DID NOT PROVIDE INITIAL NOTIFICATION LETTER UNTIL XX/XX/2020 ( PLEASE SEEN ATTACHED LETTER ) PRA LLC DID NOT PROVIDE PROOF THAT THEY ARTE LICENSED TO COLLECT OR OPERATE IN THE STATE OFGEORGIA. PRA LLC DID NOT PROVIDE A COPY OF A CONTRACT THAT THAT I HAVE AGRRED TO SAID DEBT THE TERMS OR PAYMENT OF THAT DEBT. PLEASE REMOVE AND DELETE THIS ACCOUNT FROM REPORT TO ALL CREDIT BUREAUS
Product: Credit reporting or other personal consumer reports

I am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
HYUNDAI CAPITAL AMERIC XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Checking or savings account

Chime bank let my ex girlfriend send in Fraudulent documents change my mobile phone number to my account and withdraw funds out of my account amount up to {$3500.00} when I asked him to view the video footage atm the investigators told me no & their decision was final. I was XXXX doing the whole time these transactions were taken place I even present a document showing my XXXX  and my claim was still denied
Product: Mortgage

My mortgage loan was sold and the transferred account balances are very wrong. The transferred loan does not show the correct payments and escrow balances. The balances are off by more than {$5000.00} at least 1 payment of {$5000.00} has been been credited to my transferred loan. I should not have had 1 early payment applied to the escrow account as well. 
Either Loandepot.com is trying to take my money or did not appropriately plan for a successful data transfer of account balances to the mortgage servicer, LoanCare.com
Product: Debt collection

Creditors Specialty Northwest Inc. has sent me 3 written notices. None of which have included a statement describing my right to dispute the debt. The first notice instead states : " In your own best interest, we urge you to pay this account immediately. Please contact this office and make arrangements for taking care of this legal obligation. '' Put simply, they never provided a statement about my right to dispute. If anything, their first notice vaguely threatens that if I do not pay them, I will face legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Creditor on XX/XX/2023 asking for documents to dispute fraudulent claims on personal report. Creditor good not present or provide any of the documentation I requested such as Original Contract with my Signature, Payment History or Prood of Ownership. I also requested documents that they could provide through Mail and they declined. Stating they are paperless. Which gives me no proof to attach or give to my local Police Department. The debt collector had wrong address as well as email which he changed in his system once I gave him my information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have put XXXX credit back on my credit file the court judgment was final in XXXX.They attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my XXXX XXXX to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted fraud on my credit report on XX/XX/2023
Product: Student loan

Attending XXXX XXXX XXXX as a VA student receiving the post XXXX GI bill. Tuition and fees were to be covered by the VA department yet during my time at XXXX I noticed charges against my federal loans. After investigating there were several courses in which I was charged but never attended. I attempted to talk to the school. Nelnet and I dead  never able to resolve. I felt XXXX was using unethical financial service practices almost seemingly attempting to double dip VA students at a school known for being among the most expensive tuition and yet a 2nd rate education. I was completely misled by XXXX from the start and lost over a year of VA benefits and over 15000 dollars in charges to my federal student loans.
Product: Debt collection

I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.
Product: Money transfer, virtual currency, or money service

I connected with a woman named XXXX XXXX, and she offered me guidance on investment opportunities. As we kept talking, she mentioned that her 'aunt ' was also actively involved in providing coaching and advice in cryptocurrency investments. 
At a certain point in our conversations, there was a setback in which I lost {$15000.00} USD. In response, XXXX offered to help, and she attempted to recover the funds by depositing them into what I believed was a legitimate XXXX account. 
XXXX years prior to this incident, I had purchased XXXX ( XXXX ) and I just kept it in my ledger. I decided to transfer my XXXX holdings from my ledger wallet to XXXX. 
The scammers offered me to assist in navigating the transfer to XXXX. Initially, they appeared seamless and trustworthy. I conducted a smaller withdrawal, which went off without a hitch. However, when I attempted to withdraw my entire XXXX holdings, my account was abruptly frozen. 
To compound the situation, the scammers demanded an exorbitant sum of {$20000.00} USD in fees to unfreeze my account and release the funds. It was at this distressing point that the harsh reality dawned upon me - I had unwittingly fallen prey to a sophisticated scam. 
Since this was my first attempt at cryptocurrency investments, I didn't initially suspect anything was wrong or suspicious. It was only later that I realized I had fallen victim to a scam, and I felt deeply disappointed. 
Furthermore, I was disheartened by the fact that these fraudulent transactions, which amount to a staggering XXXX USD from my Wells Fargo account, could have been easily prevented, as they were completely out of character for me and diverged from my previous financial decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint RE : Experian & XXXX 30 Day Investigation Period Expired Dear CFPB, I sent a letter to Experian & XXXX disputing two ( 2 ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that Experian & XXXX received the dispute letter on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from Experian nor XXXX. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian & XXXX have 30 days ( about XXXX and a half weeks ) to investigate disputes. If Experian & XXXX can not verify the information within the 30-day time period, Experian & XXXX must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when Experian & XXXX received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, XXXX XXXX XXXX - XXXX
Product: Checking or savings account

on XXXX XX/XX/2024 phone phone was called from XXXX ( navy federal number ) informing there had been fraudulent activity on my account. I provided verification info but not my full account number or my full SS # just last 4 and mother 's maiden name. I later determined I was a victim of fraud and immediately called Navy Federal. Initially Navy Fed credited my account. I received a letter today stating they made final determination and no error occurred. 
I called Navy Federal to determine next steps and i was read a statement stating I was an active/willing participant in fraud. This information was not noted in my letter. When asked how I could appeal, I was told I could only request the claim be reopened only if I had new evidence. When asked what evidence they used to make their determination, I was told I could only obtain that information with a subpoena through the court. 
Their finding is unclear because while a total of {$9000.00} was stolen from my account in what they call an " Account Takeover '', they only reversed {$4800.00} in credits. and while they falsely accused me of fraud, they did not close my accounts.
Product: Vehicle loan or lease

The company didn't honor the warranty the was agreed in the contract. 





CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX Enclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors listed and did not make these inquiries.
Product: Credit card or prepaid card

I received the card statement attached below after the due date, which due date was XXXX XXXX XXXX. I am not sure if it was sent to the wrong place or if it was sent to a neighboring house and they realized but it appeared in my mailbox after the due date. Due to this I went online to create an account ( I believe on either XXXX/XXXX/XXXX or XXXX/XXXX/XXXX ) to attempt to pay the card issuer Capital One but by then it already had a late payment penalty of an extra {$28.00} on the card, min due was {$59.00} and online it was showing {$87.00}. Because of this I ended up calling to try to resolve the issue with the card issuer. I spoke to an initial agent she said she would be happy to waive a late payment fee due to the situation and especially it being the first payment and given my situation. I replied thanks and that this should be the only time since I am now registered online and can check and pay bills before the due date moving forward. She then assisted in helping me pay the statement that was sent late & I paid {$60.00} on XXXX/XXXX/XXXX. I then asked for what my next payment would be on XXXX XXXX and she said {$87.00}. After several minutes of discussing & doing math I explained that I was still being charged extra {$28.00} I asked her to escalate to her supervisor. After 20 min of discussing the same with her lead XXXX XXXX Id # XXXX ) he said nothing can be done. I explained that surely this situation happens and that I ca n't be the only one who got a statement late after the due date. I went on to try to explain that I was now signed up online so I can check for statements and that due to the error on their end I was asking for a one time grace for the late charge of {$28.00}. He just kept saying that is not how it works and nothing could be done. I explained that the late fee was waived given the situation so why ca n't the Penalty APR because that is the extra they are basically charging for getting something in the mail after the due date. So because of that there would be no way I could have ever paid before the due date because I had not statement to refrence to pay. My account # with them is XXXX. I also explained that I was trying to work with them and paid the statement balance due as soon as I had it in my position.
Product: Debt collection

After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX
Product: Credit reporting

I recently heard about identy thefts while preparing for a refi home loan and decided to sign up for credit monitoring with Transunion. I attempted to pay the XXXX monthly fee but it told me we can not offer you this at this moment to call them. I called them several times today XXXX/XXXX/XXXX and they told me it was company policy to ban me for life from the credit monitoring. they then told me nothing could be done about this. I told them I have n't looked at my credit since XX/XX/XXXX and they said they were sorry but the system could n't be fixed to allow me access to the monitoring service offered by Transunion. I told them that I went to the free ones and information was out dated and I wanted to go the the most reliable place to go. I do not understand why I am being black listed and for what reason they would ban me. I did some research online and found that others were banned from checking their credit to often. well I have to admit I was on true credit back then and I checked often because it was unlimited and I was preparing to buy the home I am currently in which I purchased on XXXX XXXX, XXXX can you please help me get them to remove the lifetime ban on my credit monitoring service offered by Transunion XXXX my name is XXXX XXXX XXXX. phone number is XXXX my address is XXXX XXXX XXXX XXXX , XXXX Tx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with Transunion. Apparently Transunion directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently Transunion is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor Transunion will apparently do so. 

Particulars : XXXX/XXXX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XXXX/XXXX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted Transunion and requested their assistance ( File Number XXXX ). 

Transunion 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted TRANSUNION and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor Transunion appear to be willing to verify the matter as closed and my XXXX XXXX is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.