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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : Affirm Inc . 

RE : Account # XXXX Balance : {$90.00} Affrim Inc XXXX 
Account # : XXXX Balance : {$110.00} Affrim Inc. 
Account # : XXXX Balance : {$98.00} Affirm Inc . 
Account # : XXXX Balance : {$130.00} Affirm Inc . 
Account # : XXXX Balance : {$120.00} Affrim Inc. 
Account # : XXXX Balance : {$320.00} Affirm Inc . 
Account # : XXXX Balance : {$170.00} Affrim Inc. 
Account # : XXXX Balance : {$73.00} Affirm Inc . 
Account # : XXXX Balance : {$87.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Payday loan, title loan, or personal loan

In 2018 I was put on a hardship program for a reduced interest amount and payment amount at one main financial.  I asked to change my payment withdrawal date and due date from the XXXX to the XXXX of each month. They agreed to {$78.00} a month drafted the XXXX of each month. They neglected to tell me my due date was never changed so I received a late fee plus daily interest charges for they payment being late. They set up the payment withdrawals dates and a year later plus they finally told me I was being charged late fees. I borrowed {$5000.00} and have paid one main financial about {$2500.00} in total payments but only have {$1000.00} of the principal paid down. I get that I owe the money, but being charged unknown late fees and then a year later being on the program they offer to move my due date. I thought they moved my due date in the first place. Instead I have several months of late fees that are uncalled for.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, XXXX is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond seven years.

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to XXXX, XXXX, and TransUnion demanding deletion under FCRA 1681i XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA XXXX ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, XXXX continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, XXXX failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and XXXX is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( XXXX, XXXX XXXX and TransUnion XXXX. Failure to comply will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.
Product: Debt collection

Within the past few months, I have sent several separate letters to Portfolio Recovery Associates asking them to validate two collections they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of these accounts supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit  reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is intentionally violating XXXX XXXX XXXX, Illinois consumer protection laws, Federal consumer protection laws, FCRA section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Product: Student loan

I attended XXXX from XXXX to XXXX. Graduated with an XXXX XXXX in XXXX. Since then I have been informed that I have 7 of 17 loans still outstanding which amounts to about 60 thousand dollars. Speaking with a loan forgiveness specialist, I was informed that loans were processed in my name from XXXX to XXXX. I was no longer a student after graduating in XXXX. I have made payments to several companies that bought my loans. I stopped because it was so confusing as to who I owe. My check is being garnished15 %  and it has been for the last three years. I NEED HELP. This school has sinced closed and has a lawsuit against them for fraudulant loans being processed.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX and opened XX/XX/year>. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This week XXXX removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - XXXX, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also LEXIS NEXIS stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
Product: Debt collection

I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND XXXX XXXX, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY JH PORTFOLIO IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX  # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! 

According to 15 US Code 681s-2, 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: Money transfer, virtual currency, or money service

I was tracking some Bitcoin that my broker sent me to my coinbase account. Coinbase support had me send funds via various crypto bitcoin, ethereum, XXXX, XXXX tether to track this BTC. I ended up getting hacked and spending over {$350000.00} and still no recovery of my BTC funds the broker and lost my tracking funds as well. Coinbase still asking to me to fund the recovery. At this point Coinbase has bankrupted me. They can't even provide a case number for this. Coinbase is a fraudulent company. Their customer support is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter will serve as a follow-up to my earlier plea last XX/XX/XXXX. Seems like my earlier endeavor to block those fraud items has not been given attention. I'm including them again in order to be removed immediately. 

XXXX XXXX  Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " Toyota Financial Services '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. what I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is foudn on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from XXXX. It indicated that a credit inquiry was made. ( XXXX XXXX XXXX  XXXX XXXX  VA XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ABLTY RECVRY was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABLTY RECVRY failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of FLORIDA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ABLTY RECVRY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ABLTY RECVRY is held liable as well for defamation and in the state of FLORIDA allows for serious fines ABLTY RECVRY is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. ABLTY RECVRY has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
Product: Credit card or prepaid card

I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer
Product: Debt collection

This spammer sent me a text message and I have never had any dealings with them nor do I owe them anything. The text message comes from the number XXXX. Here is the message they sent : Check out XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : Close Late Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value my credit score a lot and the inaccuracies in my report has negatively affected my financial opportunities as well as my XXXX XXXX, it is all down just like my credit score. It is really frustrating and disappointing to be consistently ignored with my requests to correct these inaccurate information on my credit report.