23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV WROTE ME THAT I OWED THEM ABOUT {$630.00}, I WROTE THEM REQUESTING A VALIDATION LETTER, 30 DAYS PASSED AND THERE WAS NO PAPERWORK EVER SENT OUT. I RECEIVED INFORMATION FROM A COMPANY NAMED RESURGENT CAPITAL SERVICES WROTE ME STATING THAT THEY ARE MANAGING LVNV ACCOUNTS. I SENT A VALIDATION REQUEST AND I STILL HAVE NOT HEARD BACK FROM THEM.
Product: Money transfer, virtual currency, or money service

Attempting to close Paypal account. Told one of the reasons it couldn't be closed was a " credit '' on the account. Credit was not requested by me nor accepted [ account showed button to " accept '' it which I did not ]. I specifically told Paypal to get rid of the credit and that it was NOT allowed to donate it- Paypal is not gong to create a tax break for itself through whatever game this is. When I logged in the next day it was shown as donated.Paypal does not get to manage MY account as it chooses, in direct defiance of my management. Paypal refuses to do anything to fix this other than put the credit back on my account which then means I can't close the account because there is no other way to get rid of it because I won't link my bank account for it to be transferred because I'm closing my account because I don't want Paypal to have any of my information and Paypal refuses to apply it to the Paypal credit balance which should have had its own credit but they XXXX  me on that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation no score reported inaccurate information please fix this issue asap
Product: Credit card or prepaid card

Acc. CFPB 12 CFR 1006.6 & 1006.14, cease and desist all communications with the consumer, through all mediums of communication including credit report. Do not engage in any conduct to harass, oppress, or to abuse me, the consumer.

Acc. CFPB 12 CFR 1002.7, Comenity Bank discriminated and committed adverse actions against me for exercising my rights under good faith. Comenity bank changed the terms of the agreement and closed the account twice.
Product: Credit reporting or other personal consumer reports

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The adverse item being reported without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. Equifax and XXXX are thus violating this provision by reporting inaccurate information without proper consent. 

Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of relevant sections and limit the furnishing of consumer reports to specified purposes. Equifax, XXXX and XXXX are failing to uphold these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, I have the right to opt out of reporting services at any time, and I am choosing to exercise that right. 


XXXX  XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX all ( late payments ) XXXX XXXX / acct number XXXX charged off XXXX XXXX  / acct number XXXX charged off XXXX XXXX XXXX  / acct number XXXX all ( late payments )
Product: Debt collection

when i learned of the debt I got an attorney to send an offer to settle it out of court but the collection company refused the offer collection company is fraudulently pretending to be the original creditor collection company has not provided me with any served papers collection company used a non suit judgement without serving me any papers collection company went to previous addresses bothering the people that live there now collection company puts liens on relatives houses collection company re-reported old debt as new debt to the credit bureaus when it was already reported by original creditor and removed from report from original creditor the debt was in a different name yet the company re reported it to the credit bureaus under new name Original creditor was contacted on two occasions and has no record of this debt what so ever tied to my social security number
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information in my credit report. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681, in accordance with the Fair Credit Reporting Act. 
Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, I am requesting that the listed accounts be deleted immediately : Enclosed is documentation supporting my request. Please investigate this matter and delete the disputed items as soon as possible
. 

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

On equifax they have this address on the report and i never live there XXXX XXXX XXXX XXXX XXXX, MI XXXX And theres a couple hard inquires one of them from XXXX  XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX they put a account under investigation and they found out its a fraud and they promise me to remove everythings from the report they remove the account but not the hard inquires And theres another companies XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 




XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 




XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

And as you can see there is two inquires from the same company in one month I only have two credit cards one from XXXX XXXX and one from XXXX thats all the credit i have
Product: Credit reporting or other personal consumer reports

The credit companies listed have not used my information correctly. I believe there are items on my credit that should not be there.
Product: Credit reporting or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and referencEe
Product: Bank account or service

My CapitalOne 360 savings account was hacked. It took 3 calls to the security people before they answered. My account was subsequently locked. A week later I still do not have access to my funds. Ive called half a dozen times and waited literally hours on hold without reaching a representative. Their voicemail box option is full. They are holding my funds hostage and I can not access them. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, Equifax and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

Please see the attached document with all the facts. 

XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is paramount to me, and I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Credit reporting or other personal consumer reports

I received credit fraud alerts from 2 paid subscriptions. I called equifax, ran a credit report and found the following 4 unauthorized, fraudulent hard 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  In accordance with the FCRA, I'd like these 4 fraudulent hard inquiries removed immediately.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my JPMCB CARD # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under federal law to have these accounts blocked and removed from my credit file. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my consumer file and I want to dispute inaccurate and fraudulent accounts that appear on my consumer file. I request an investigation and permanent removal of the inaccurate and fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm requesting you to immediately remove these inaccurate and fraudulent accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a.
Product: Credit card or prepaid card

I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. 
First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. 
Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. 
if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. 
Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, Experian ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Debt collection

I received a letter from XXXX XXXX XXXX in XX/XX/XXXX saying I owed a debt to DNF Associates. The letter stated I needed to contact them by XX/XX/XXXX. I kept a log of my contacts : XX/XX/XXXX XXXX - I rang the number on the letter ( XXXX ), after it rang for a very long time the call seemed to be answered, there was silence for 29 seconds ( with me repeatedly saying hello, asking if they could hear me ), then the line went dead. 
XX/XX/XXXX XXXX - I rang again, this time I got a voicemail system, I left a message asking to be called back. 
XX/XX/XXXX XXXX - I rang again, voicemail again, this time I left a detailed message explaining that I didn't know which account this was for and I requested proof that I owed the debt in question. 

XX/XX/XXXX XXXX - having not hear back I went to their website, as suggested in the letter, and used their form and gave the same details of my voicemail, requesting proof of the debt. 

I never heard back from them. 

XX/XX/XXXX I noticed my credit had a derogatory remark on it re debt collection. 

XX/XX/XXXX XXXX - I called again, this time got a human spoke to XXXX who was apparently a manager, who gave me a contact at DNF Associates. 

XX/XX/XXXX XXXX - I called DNF Associates ( XXXX ), spoke to XXXX XXXX who was able to give me more details, and I explained that I closed the account in XX/XX/XXXX, and XXXX had made a mistake in the closeout figure, which they'd subsequently tried to credit in XX/XX/XXXX, where they'd made another mistake in the credit, and so this was not a debt I owed. She gave me an email address to send her a copy of my closure letter. 

XX/XX/XXXX XXXX - I emailed XXXX the closure letter. 

XX/XX/XXXX - I received a bunch of XXXX statements from DNF Associates dating back to XX/XX/XXXX, although these did not show a debt dating back to XX/XX/XXXX, it DID show the attempted credit in XX/XX/XXXX, and the XXXX balance that the XXXX XXXX representative left in the account, and it showed that 96 ballooning into the {$140.00} that DNF Associates was now trying to collect. 

XX/XX/XXXX XXXX - I emailed XXXX again, stepping her through the statements, and demonstrating how they supported my claims that this was an XXXX error, and not a debt I owed. I never received any response from XXXX, but the derogatory mark on my credit was removed a few days later, so I assumed the matter was finished. 

XX/XX/XXXX - I received notification ( from XXXX XXXX ) that our credit report had changed. Logging in I see that the XXXX account is now showing as " charged off '' and has 6 late payments listed. 

I have now rung XXXX twice, XXXX  ( XXXX XXXX XXXX XXXX ) three times, DNF Associates multiple times ( I can never get through ), as well as two other collection agencies that XXXX referred me to ( XXXX and XXXX XXXX ). All information I have is that DNF Associates are acting on the debt and are the ones who have reported the late payments and poor account standing, and yet I am unable to reach them to sort this problem out.
Product: Credit reporting

Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.
Product: Mortgage

My mortgage was transferred from XXXX to Carrington Mortgage Services LLC in XX/XX/2020. An electronic payment was made on XX/XX/2020 From my account at XXXX XXXX XXXX, and received XX/XX/2020 by Carrington Mortgage, LLC which accepted payment, however the funds were erroneously credited to an incorrect account rather than to my mortgage account due to two numbers were transposed in the memo field on the payment. 
Upon contacting them to correct the error, Carrington Mortgage LLC requested evidence of the payment, which was faxed to their number XXXX. the evidence provided was Proof of Payment by XXXX XXXX XXXX  ( attached ). showing the payment type was electronic, it includes the Customer Name information and address, payment dates Payee Information, payment amount, send date, received date, status of " Paid '', the memo section shows the loan number with the transposed numbers, etc. 
I contacted Carrington Mortgage Services LLC to confirm receipt of the fax, which they confirmed receipt. however they stated that they would not correctly credit the payment, and it would take an additional 3 to 5 business days for them to review the document.