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

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXXday allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian credit report. 

The information for this account listed on my credit report is XXXX XXXX XXXX XXXXXXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Product: Debt collection

This debt is over 8 years old is no reason for them to be trying to collect the debt this old that have been taken off my credit report they are threatening to sue it's over the statue of limitation for suing to collect this debt have been expired over 8 years
Product: Debt collection

CAPITAL ONE AUTO FINANCE XXXX XXXX # XXXX CAPITAL ONE AUTO FINANCE sent a letter titled : NOTICE OF NO LIABILITY and NOTICE OF RIGHT TO CURE AND NOTICE OF INTENT TO REPOSSESS ( SEE ATTACHED ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should the voluntary payment of {$11000.00} not be paid on XX/XX/XXXX. CAPITAL ONE AUTO FINANCE is attempting to defraud and illegally repossess XXXX XXXX ' property, as CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXXas been XXXX in XXXX XXXX XXXX  ( see attached documents for reference ) in case no. XXXX
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, my older brother called me to come to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ. My little brother had fell in the love with their puppies and needed help selecting and purchasing a pet. 

My brother called me because they wanted to purchase the dog and wanted to finance the payments. The store associate had pitched him on the " same as cash '' option where we could make the payments within a certain time period and avoid interest. Since my finances and credit score were more reliable, I came to help make the purchase and fell in the love with the dog myself. 
After 6 months of paying off the loan. There were still hundreds of dollars worth of interest. When I call Mariner Finance, they tell me the sales associate did not select the " same as cash '' option on her tablet and therefore the those terms are void. 

The whole reason why Mariner Finance Loan option was even considered rather than other options of payment was because of their " same as cash '' terms. This does not seem fair and I sincerely hope that this is not the way Mariner Finance or XXXXXXXX XXXX XXXX  plan to make money off of the customers who pay on time.
Product: Money transfer, virtual currency, or money service

I am writing in regards to Zelles handling of disputes. Particularly in regards to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to throughly investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX Comenity Bank account in XX/XX/2022 with a final payment of XXXX. When I call customer service they confirm that my account is paid in full and yet they started reporting that my account is 60 days XXXX due snd it is negatively impacting my credit. Apparently, they have acknowledged that theres a glitch in the system and that they will be correcting this in XXXX to 60 days and that many people are affected and they claim that theres nothing they can do to correct the problem immediately although theyve been sending false information which is especially aggrevious since I have paid my account in full and yet they claim that I am past due. I have worked hard to improve my credit and am applying for a loan and was horrified to have this appear on my credit report and no one willing to correct it when I contacted them today on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX settled a lawsuit in which they were found to be participating in predatory lending. As a result of this lawsuit, it was determined XXXX had to pay off loans, pay restitution, as well as remove derogatory information from customers credit report. I filed my dispute with Equifax, sending all of the documentation, Equifax states the account is valid and is still owed by me, with a balance due of {$19000.00} yet I received a letter from XXXX, stating the account has been satisfied as of XX/XX//2020. I do not believe Equifax has even researched the information, nor have they updated the account.
Product: Credit card or prepaid card

XXXX card issued by Incomm/XXXX  will not allow activation without emailing to a generic unsecured email address copies of Driver 's License, SS Card, and utility bills. This is an unacceptable and completely insecure means of sending what is essentially all the necessary pieces of information to completely steal a person 's identity. Multiple calls to customer service have revealed that they have NO other option to protect their customer 's PII.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX is reporting an inaccurate information/ account in my credit file. This is not my account and belongs to someone with similar name or information. The account is being reported twice in my credit file with EXPERIAN. This is inaccurate reporting under FCRA rules/ laws. 
The Account is XXXX XXXX XXXX XXXXXXXX Account # XXXX There is other inaccurate accounts being reported as well. These accounts are over 7 years old. I requested for this inaccurate account to be deleted but EXPERIAN. and XXXX have refused to delete this account. 

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

Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing, we were told on XXXX that we could payoff our Mortgage via phone in the amount of {$830.00} by XXXX. He informed us that since it was under {$1000.00} we could do the transaction over phone. Confirmation # XXXX. 
On XXXX we received a call from XXXX to inform us that they made a mistake and paid our XXXX taxes. For the next 7 months we contacted company over and over to rectify the error and they kept asking for more money than we owed. Interest & late fees. 
On XXXX we sent a letter to Dispute Department and copied CFO, CEO, COO, CRO, CIO, PRESIDENT AND CLO. Response received saying they did not make mistake.

They have posted 6 late payments on our credit reports.
Product: Debt collection

I am simply just trying to get something in writing that states the settlement amount they offered me. I would like something in writing so I have proof that is the amount agreed upon.i a, worried that I would pay the settlement amount in full and then they try to charge me the remainder of the balance. The representative I spoke to said they do not send out or email settlement letters and are this time the company does not even have settlement letters. I kindly asked if there was any way I could get the amount in writing, even a simple email, and was told no. 
The amount owed is XXXX The settlement offer is XXXX I called on XXXX XXXX and was given my account number and was offered the settlement and asked about payment plan. 
I called on called on XX/XX/XXXX and requested settlement in writing.
Product: Credit reporting or other personal consumer reports

I have several unauthorized inquires on my credit report. I do not have or have had any of these accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}
Product: Debt collection

I am submitting this complaint against Portfolio Recovery Associates , LLC for fraudulent behavior and harassment towards a debt account on my credit report that does not belong to me. I have submitted multiple electronic disputes with all three credit bureaus, XXXX, XXXX, and XXXX against Portfolio Recovery Associates , LLC within the last couple of months. I am a victim of fraud and I have been harassed by Portfolio Recovery Associates , LLC. On XX/XX/ I contacted the Portfolio Recovery disputes department at XXXX. I spoke to the supervisor XXXX and he could not provide me any information or documentation on this account. He stated that all he has on this account is the transfer information from the bank. He asked me to provide my most recent home address and phone number. Since that day I have been harassed day and night by Portfolio Recovery Associates. I receive multiple calls and voicemails from this company every day. Since that day, I decided to take action and I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/. After I disclosed my personal information to this company, they fraudulently added that information to the account and claimed they had taken all the proper steps, which is incorrect. Portfolio Recovery Associates fraudulently added the information that I disclosed over the phone on XX/XX/2023, and added it to this account. This company did not have any of my information prior the call on XX/XX/XXXX. Once I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, Portfolio Recovery submitted copies of a letter dated XX/XX/2023 with my information. This clearly shows that the letter was sent after my complaint with the Consumer Financial Protection Bureau to protect themselves from any further actions. This company has lied and fraudedly claimed that they have had this information. This is unacceptable behavior from this company and I am a victim of fraud. I hope the Consumer Financial Protection Bureau takes this complaint seriously.
Product: Debt collection

There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to Source Receivables Management company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

Per Afterpay request for an Hard Ship extension my account was reassessed from {$2000.00} to {$100.00} after been told that the 30 day request would allow me to pay my account in full as I did, but someone set me up on a 45 day extension something I didn't request. The day I requested the Hardship extension I paid {$500.00} XXXX but I want to pay more but whoever setup the extension took away all of my options to make additional payments, i was only able to pay the {$500.00} of a {$1500.00}. balance, upon the company disabling my chances of paying the account out sooner Afterpay set my account up to only pay what they wanted me to pay. In the process of trying to navigate through the app everything was disabled. by the 3rd payment extension I paid the full balance of and requested for my account to be re-instated but upon that happening they dropped my spending limit from {$2000.00} to {$100.00} stating that I had a past history of late payments in which that was a lie, my payments have always been on time except 1 time for a small payment under {$50.00} only because my payroll was delayed and they dropped my {$2500.00} credit limit to {$2000.00}, and i used to request payment extensions until they changed there payments with the extensions. I asked for a Hardship extension per what was asked of me to complete with in hopes of paying off my account as agreed but only to be down sized to a {$100.00} and Upper management belittling my creditability of been the valued customer as I was said to be but I am not that valued customer because they have set my account up for a loss. I have requested 7 times for someone to review my account but I have been refused the service. When I stared using Afterpay my limit was only {$600.00} and to be belittled to {$100.00} is unfair when all I have requested was for my account to be restored as planed from the day I requested the Hardship extension that did not have any late payments. I also request the Underwriter to contact me and someone of higher authority and it has not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 account with XXXX XXXX XXXX that is not being reported to my equifax or XXXX date They also show as closed but it was paid in full on the XXXX account. Accounts were opened on XX/XX/XXXX amount {$400.00}, XX/XX/XXXX amount {$390.00}, XX/XX/XXXX amount XXXX all with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is showing a delinquent account. My record with account shows all on time payments. I did not go over my llimit. I closed my own account. This is another mark on my account that i dont need. This time i did nothing wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found numerous items listed that are erroneous and in accurate, and is causing serious negative impact on my credit worthiness.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.